The interest-free period is provided to cardholders who repay in full on time, and is limited to interest-free treatment for consumption transactions. The interest-free period starts from the bank accounting date to the final repayment date. The longest interest-free period for Minsheng Bank credit cards is 51 days and the shortest is 20 days. You can enjoy the longest interest-free period for purchases made on the day after the bill date. For example, Ms. Wang made a purchase on March 11, and the settlement was on the bill on April 10. If she repays the full amount on the last payment day of April 30, she will enjoy the longest interest-free period of 51. Interest-free period (March 11-April 30). For example, if she makes a purchase on March 10, which is the billing day, and repays the amount in full on the final payment date of March 30, she will enjoy the shortest 20-day interest-free period.

The optional billing dates for Minsheng Bank credit cards are: the 1st, 3rd, 6th, 9th, 13th, 16th, 21st, 26th and 28th of each month. The cardholder's billing date can be found on each month's statement.

Minsheng Bank can adjust the billing date after issuing the first bill, but the billing date can only be modified once in a calendar year. You can log in to Minsheng Bank’s credit card online banking to adjust the billing date, or you can call Minsheng Bank customer service The hotline is adjusted manually.