Settle accounts the next day. According to Cai Xi's inquiry, if there is a record of credit card consumption, it is usually the transaction on the same day and the account is received the next day. The repayment time is different. Bank of Communications made the deposit the next day, and ICBC and China Merchants Bank made the deposit the same day. Therefore, if the user repays, it is best to repay 1-2 days in advance to avoid overdue repayment caused by the delay in the arrival of funds.