There are three situations in which credit card swiping on the credit card statement date will be included in the bill: 1. It will be credited to the account on the same day and included in the current bill. After the bill date, you will receive a bill to collect repayment. 2. It will be credited to the account the next day and included in the next month's bill. The interest-free period of this money will be very long, and the repayment time will also be relatively long. 3. Accounting in time periods. For example: a bank uses 18:00 as the cut-off point. Cards swiped before 18:00 on the statement day will be included in the current month's bill, and cards swiped after 18:00 on the statement day will be included in the next period's bill.

Banks where daily consumption of credit card statements is credited immediately: Agricultural Bank of China, Bank of Shanghai, China CITIC Bank, Hua Xia Bank, Postal Savings Bank, China Construction Bank (consumption before 18:00), Shanghai Rural Commerce (consumption before 19:00) ), Shanghai Pudong Development Bank (for purchases before 21:00), Minsheng Bank (for purchases before 22:00), and Bank of Beijing.

Banks that do not record the daily consumption of credit card statements immediately: China Everbright Bank, Bank of Communications, China Merchants Bank, Bank of China, Industrial and Commercial Bank of China, Ping An Bank, and China Guangfa Bank.

If you use a credit card with minimum repayment, you cannot enjoy the interest-free period. All purchases will be charged interest from the date of consumption until the user repays all outstanding balances; installment repayment or the minimum repayment amount will occupy the credit card The limit will be affected when subsequent card purchases are made.