Credit card consumption before the bill date (including the bill date) should be repaid before the current repayment date, and consumption after the bill date should be repaid before the next repayment date. The credit card of Guangfa Bank takes 20 days from the billing date to the repayment date. If it is consumed on the bookkeeping date, it will be repaid on the current repayment date, that is, 20 days after consumption.