8 a.m. to 9 p.m. Since there is no limit on the credit card swiping time, and the bank will always monitor the user's card swiping time, in order to effectively avoid the bank's suspicion of cash withdrawals, it is best for users to swipe their card between 8 a.m. and 9 p.m. Most merchants are open during this period. Of course, if you occasionally swipe your card at a 24-hour convenience store, it won't have much impact.

However, if you often swipe your card in the middle of the night, once the banking system detects a risky transaction, you need to stop this behavior in time.

Can I swipe the card on the credit card repayment date?

Yes, provided the credit card still has a credit limit. If the credit card still has a credit limit on the repayment date, you can use the credit limit directly. If the cardholder's credit card has no usable limit on the repayment date, but as long as the payment is repaid on the repayment date and has been deposited into the account, the card's limit will be restored and the card can be used for consumption.