1. If the bill contains single-day consumption, the single-day consumption of the credit card will be included in the month of swiping the card. If the day is not included in the consumption, it will be included in next month's bill. Every bank is different and needs to be looked at separately.

2. If the consumption before receiving the bill on the billing date is included in the current bill, it will be included in this month, and it needs to be repaid before the current repayment date. If the bill of last month has been received on the bill date, the consumption after receiving the bill will be counted as the consumption of next month.

First, credit cards are generally consumed on the day of the billing date, and you can enjoy the shortest interest-free period; Those who spend on the day after the bill date can enjoy the longest interest-free period.

1. Banks whose credit card bills are recorded immediately: Agricultural Bank of China, Shanghai Bank, China CITIC Bank, Huaxia Bank, Postal Savings Bank, China Construction Bank (spending before 18: 00), Shanghai Rural Commercial Bank (spending before 19: 00) and Shanghai Pudong Development Bank (21:)

2. Banks that do not record credit card bills immediately: China Everbright Bank, Bank of Communications, China Merchants Bank, Bank of China, Industrial and Commercial Bank of China, Ping An Bank and Guangfa Bank. The billing date means that the issuing bank will regularly summarize and settle all the transactions and expenses of your credit card account in the current period every month, calculate the total amount owed and the minimum repayment amount in the current period, and send a statement for you.

Disadvantages of credit cards:

Second, the invention of credit card is like a double-edged sword, which can solve the temporary economic crisis. However, the purpose of issuing credit cards is to make money. Once the interest-free repayment time is exceeded, high interest will be charged, usually five ten thousandths of interest per day.

1. Blind consumption: swiping a card is not like paying cash in a lump sum. When you brush, you don't feel anything A few figures lead to blind consumption and spending money like water.

2. Excessive consumption: notebook staging, digital camera staging and smart phone staging. While enjoying your favorite items in advance, you should also consider whether you can repay them.

3. High interest: If you can't take care of your credit card, the bank will charge you high interest if you can't pay it by the final repayment date. (The minimum repayment amount of a credit card in the first month shall not be less than 10% of the overdraft amount in the current month)