The billing cycle and repayment cycle of a credit card are not in the same time period. Billing cycle refers to the fixed period of each month of the bank, from 1 to the last day of the month, and the consumption during this period is included in the bill of the month. The repayment period refers to the repayment time stipulated by the bank, which is generally about one month after the bill date, and the specific time varies according to different banks.