credit cards have two important dates, namely billing date and repayment date. If consumption is made on the day after the bill date, the transaction will be included in the bill of the current month and needs to be paid off before the final repayment date of next month. Consumption before the bill comes out can enjoy a longer interest-free period (up to 5 days). When spending occurs on the second day of the credit card billing date, according to the regulations, it is necessary to wait until the last repayment date of the next month to pay.