The billing date means that the card-issuing bank will regularly summarize and settle the various transactions and fees that occurred in your credit card account every month, calculate the interest, and calculate the total amount of debt you owe in the current period and the minimum amount. Repayment amount and a statement will be sent to you. This date is your credit card statement date.

For credit card non-cash transactions, the date between the bank accounting date and the due repayment date is the interest-free repayment date. The interest-free repayment period varies according to the regulations of each bank. The shortest is from the bill date to the last repayment date, and the longest is from the day after the bill date to the last repayment day of the next month.

If the bill date is the 1st and the final repayment date is the 20th, the minimum is 20 days and the maximum is 50 days. During this period, as long as you repay in full the amount due on the current period's statement, you will not have to pay any interest on the funds advanced to the store by the bank for non-cash transactions (cash advances do not enjoy the interest-free discount).

The payment date is the day when the consumption bill of the previous month is settled, and the repayment date is the day when the consumption payment of the previous month is repaid. If the payment is overdue, interest will accrue. If your bill date is the 19th, the consumption before the 19th will be included in the consumption bill, and the repayment date is the 7th, which means that the consumption bill for the previous month must be paid on the 7th, that is, the consumption before the 19th. The consumption on the 6th will be billed on the 19th of the next month and will be returned the next month.