The bank will send you a bill email with the amount payable and the minimum repayment amount. The payable amount is how much you owe the bank, and the minimum repayment amount is the amount you have to pay at least this month! It's clearly written in it. Of course, the bill email is sent on a specific date of each month, that is, the bill date. If the bill is dated September 20th, the consumption after September 20th is not included, so if you go to the bank, you will find that the bill does not match the actual situation. The consumption accounting on September 20th will be included in next month's bill!