the billing date is the closing date of one month, that is, the date when the total consumption details are issued from this day of last month to this day of this month. The last repayment date is the longest interest-free repayment date given to you by the bank. In general, the bank will send you a text message on the second or third day of billing and two to three days before the final repayment period, informing you of the total amount of consumption and the final repayment period this month. In addition, the bank also has an electronic bill or a paper bill for you to tell you the final repayment period and all the expenses.