No matter what day you swipe your card, the bill will be settled on the 27th. If you swipe your card on the 28th, will there be no 27th after that? There should be more than one 27th in a year, right? Credit card payments are billed monthly, not once a year. So there is always a number waiting for the 27th.

If the card is swiped on the 28th, the billing date is the 27th, and the 25th day after the 27th is the due (final) payment date. The final repayment date is specified, and any day after the card is swiped and before the due repayment date is a possible repayment date, as long as you repay on one of these days. Which day is "swipe day" before you swipe your card? So where does the "repayment date" come from before you pay back the loan? There is only the "last payment date" and that is the deadline for repayment.

Bank of Communications credit cards are journalized the next day after consumption, so the repayment period for card purchases on the 27th is the longest (55 to 56 days). How long can the repayment "day" be? Can it last longer than 24 hours? The "longest" one is the "repayment period" (25~56 days).

Since the 27th is the billing day, the longest repayment period starts from the 27th. Starting on the 27th, the further away from the next 27th, the better, for example, from the 27th to before the 10th of the next month, etc.