ICBC's credit card billing date is the end of each month, that is, 3th or 31st, and the repayment date is 25th of the following month. Assuming consumption on the 1st of the current month and repayment on the 25th of the following month, you can enjoy the interest-free period of 56 days at the longest. The billing date and repayment date of ICBC are fixed, which is better than other banks. The billing date and repayment date of other banks are not fixed. When the pressure of credit card repayment is high, it is suggested to actively negotiate repayment: even if the credit card arrears are not paid, don't lose contact and run away. Don't miss the collection call made by the bank. If you have no money, you should also indicate your willingness to repay and see if you can negotiate repayment. Don't panic if the bank says it will sue, but it will be an opportunity for those who are temporarily unable to repay. It will be easier to negotiate under the mediation of the court when the court opens.