Generally speaking, overdraft consumption enjoys the shortest interest-free period on the day of billing and the longest interest-free period on the day after billing.
Credit card billing date: refers to the date when the card issuer regularly summarizes the cardholder's transaction money and expenses and calculates the cardholder's repayment.
Due repayment date of credit card: the latest date when the issuing bank requires the cardholder to return the current bill balance.
Interest-free repayment period: from the bank bookkeeping date to the due repayment date, the cardholder does not have to pay any interest on the current statement as long as he pays off the current repayment amount (the total amount owed) in full (overdraft, cash withdrawal, transfer and interest do not enjoy interest-free repayment period).