Generally speaking, the consumption on the credit card billing date is included in the next month's bill. This part of consumption can enjoy an interest-free period of nearly 50 days, which is subject to the actual bill. Prepaid cash does not enjoy interest-free period.

Let me give you an example. If the billing date of a credit card is 5th, and the final repayment date is 23rd, then the credit card consumption between March 5th and April 4th will be included in the April bill, and the repayment must be made before April 23rd.

There are two situations when a credit card shows "crediting":

Consumption is in the "account entry" state: domestic consumption is generally accounted for in 2 days, and consumption abroad is subject to the bill according to the time required by the merchant;

The repayment is in "Booking" status: it means that China Merchants Bank has received the repayment, but it takes 2 days to book.

(Response time: June 20, 2020 10. Please refer to China Merchants Bank official website for the latest business changes. )