Whether the consumption on the billing date is included in the current period or the next period depends on the situation. Some banks, such as China CITIC Bank, Agricultural Bank, Huaxia Bank, Citibank, Postal Savings Bank, Zheshang Bank, Shanghai Bank, Guangzhou Bank, etc. Banks included in the next bill, such as Industrial and Commercial Bank of China, Bank of China, Bank of Communications, Guangfa Bank, China Merchants Bank, China Everbright Bank, Ping An Bank, Standard Chartered Bank and HSBC Bank.

Billing Date: Billing date.

After the cardholder has successfully obtained a credit card at the bank and swiped it, the issuing bank will regularly settle and summarize the transactions in the credit card account every month, and calculate the interest of the credit card account, the total amount payable in this period and the minimum repayment amount. This date is the billing date of the credit card.

Note: The billing date of each credit card may not be the same. The billing date of a credit card is determined by the application time and approval time of the credit card.

Repayment date: the last repayment date.

The interest-free repayment period is from the bank bookkeeping date to the due repayment date. The interest-free repayment period varies according to the regulations of each bank. The shortest is from the billing date to the final repayment date, and the longest is from the day after the billing date to the final repayment date of next month.

For example, Xiaoming applied for a credit card in China Construction Bank on April 20 17, and the bank will calculate the interest, total repayment amount and minimum repayment amount of Xiaoming's credit card, and form a bill on June 10 of that month and notify Xiaoming, so the billing date of the credit card is June 10. After the bank informed Xiao Ming of the bill, he did not ask Xiao Ming to repay it immediately. He is usually given a 20-day interest-free period (according to the bank's standards), that is, if Xiao Ming pays off his debts within 20 days, he does not need to pay interest, and the final repayment date is April 30.

The next billing date is May 10, including all credit card spending from April 1 1 to May 10, and repayment will be made on May 30th at the latest, otherwise, overdue repayment interest will be generated and personal credit will be affected. The next issue and so on.

Note: Credit card consumption on the billing date belongs to current consumption. For example, if Xiao Ming swipes his card in May 10, then the consumption in May 10 belongs to the bill from April 10 to May10, and the repayment will be made on May 30th at the latest. However, if the consumption on May 10 is not recorded, it belongs to the next period, and it can be repaid in the next period. Therefore, the repayment period of the bill is still subject to the contents of the bill notified by the bank.