Hello, if you use our credit card, the closing date of credit card transaction recorded in each bill is called "bill date". The due repayment date is generally about 18 days after the bill date (subject to the bill). 3 natural days after the due repayment date is the repayment grace period.

The billing date of different cardholders may be different. For example, if the billing date is the 6th of each month, then all transactions recorded in each bill are from the 7th of last month to the 6th of this month, and the corresponding final repayment date is the 24th of this month. The consumption on the sixth day is generally recorded on the seventh day and included in the next bill.

Interest-free period refers to the period from the bank bookkeeping date to the due repayment date when the cardholder repays all the repayable amount before the due repayment date (inclusive) and enjoys interest-free treatment for consumer transactions. If the cardholder fails to repay in full in the current period, and the unpaid amount does not exceed RMB 65,438+00 or US$ 65,438+0 yuan, the consumer transactions that can enjoy interest-free treatment will not be subject to interest and late fees.

The longest interest-free repayment period is 50 days, unless otherwise agreed between the card issuer and the applicant, but the longest interest-free repayment period shall not exceed the longest interest-free repayment period required by relevant laws and regulations.