Let me introduce it to you: the settlement day refers to the day when you swipe your credit card and the bank keeps accounts for you. Billing day is the day every month when the bank issues your account and sends you a bill. The repayment date is generally 20 days after the bill date. For example, each customer has a fixed billing day. If the billing date is the 5th, the repayment date is the 25th. You spent 1,000 yuan by swiping your card on the 1st. On the 3rd, the bank received this data through UnionPay and other organizations and recorded the account for you. This is the settlement day. The 5th is the bill day, and you will receive the bill in a few days. The 1,000 yuan will not be paid until the 25th at the latest, and there will be no interest. You enjoy a 25-day interest-free repayment period with this transaction. If you spend 1,000 yuan on the 6th, because the bill has been issued on the 5th of this month, the transaction will not be recorded on the bill until the 5th of the following month. Then you will be charged on the 25th of the following month. That's fine. Then you will enjoy a 50-day interest-free repayment period for this transaction. So when you spend money immediately after the bill date, you can enjoy the longest interest-free repayment period. I am a bank employee. In fact, you don’t need to remember so many terms. Use your ordinary savings account to make an agreed repayment account. Then every month on the repayment date, the amount you should repay will be deducted from you. It is very convenient. . But make sure there is enough balance in your savings account. I wish you happy using the card. hehe.