If you pay before the billing date, you don't need to pay the full amount, just pay off the consumption generated in the last billing cycle. However, if the repayment exceeds the billing date, it is necessary to pay off all outstanding amounts and new consumption amounts, otherwise high interest charges will be charged. Therefore, in order to avoid high interest charges, it is recommended to pay off the debt on the credit card before the bill date. Of course, if you can't pay off all the debts at once, you can at least pay off the consumption amount in the last billing cycle to reduce the burden in the future.