Because most banks have a grace period for repayment when they open credit cards, as long as they repay within the specified time.

Grace repayment method is a repayment method derived from the average capital repayment method. That is, within the repayment period (month/quarter/year) agreed in the loan contract (except the last installment), if the borrower repays the repayment amount of each installment within the grace period, it will be regarded as normal repayment, and no penalty interest will be charged during the grace period; If the repayment exceeds the grace period, the penalty interest will be charged according to the actual days of default (including the days of grace period).