Billing date: The issuing bank collects and settles all transactions and expenses of the credit card account in the current period on a regular basis every month, calculates the total amount owed and the minimum repayment amount in the current period, and mails the statement.

Repayment date: For credit card non-cash transactions, the date from the bank bookkeeping date to the due repayment date is the interest-free repayment period, which can be simply understood as the day when repayment is required.