My credit card can be overdrawn by 30 thousand. For example, my first overdraft of 20,000 yuan was repaid within 56 days, and my second overdraft of 5,000 yuan was within 55 days of the first overdraft. What does this overdraft mean? Pay attention to direct consumption or cash withdrawal. There is no 56-day interest-free repayment period for direct cash withdrawal.

Reasonable planning of credit cards needs to clarify two concepts, the first is the billing date, and the second is the final repayment period.

Taking ICBC as an example, the billing date is 1, and the final repayment period is 25 days, so the interest-free repayment period is 3 1+25=56 days.

When overdrawing, try to pay attention on the same day or a day later. For example, if you overdraw 20,000 yuan in March 1, your bill will be issued in April 1, which means that your overdraft will be reflected, so that the final repayment date is April 25th, and you will enjoy an interest-free repayment period of up to 56 days. If you overdraw again,

So, remember your bill date and the last repayment date, make reasonable arrangements, and wish you a happy card.