According to the inquiry of China Bank Credit Card APP, the one-day repayment of credit card account is regarded as repayment. Repayment on the billing date can avoid late fees and interest caused by forgetting to repay. At the same time, one-day repayment can improve the credit record, indicating that consumers' repayment awareness and credit status are good. You don't have to pay back on the billing date, just pay off the arrears before the repayment date. Consumers have new consumption after repayment on the billing date and need to pay off their debts before the new billing date.