Credit card overdraft: the interest-free period of general credit card consumption is about 20-50 days, depending on personal consumption time, billing time and bank regulations. It is best to pay it back within the interest-free period without interest.

Cash overdraft: credit card cash overdraft has no interest-free period, and there are handling fees and overdraft interest, which should be returned as soon as possible.

The interest-free repayment period is from the bank bookkeeping date to the due repayment date, that is, the repayment period of the credit card, one of which is the billing date of the credit card.

The repayment period of a credit card is generally 18- 25 days after the bill date, so the three important points in calculating the repayment period, namely, the credit card date, the bill date and the due repayment date, are the days between the credit card date and the due repayment date.