If the cardholder consumes the money on the CITIC Bank credit card bill date, it can be credited to the account, then the current bill needs to be repaid on the current repayment date. If it is credited to the account the next day or after full payment, the payment will be prompted according to the next issue's bill. For example, if the cardholder's repayment date is the 10th of each day, if the payment is not made in full on or before the 10th, the consumption for that day will need to be paid on the 10th. If he repays the loan in full on the 8th, then the consumption on the 10th will be included in the next period's card account, and there is no need to pay this month.

The specific recording time of the cardholder’s consumption on the CITIC Bank credit card statement date depends on the merchant’s settlement time. Generally, merchants make settlements on the next day after cardholders make purchases. In this way, purchases made on the credit card bill date will be included in the next bill and enjoy the longest interest-free period. However, if the merchant settles the credit card bill on the same day in time, the consumption on the same day will be included in the current period's consumption, and the payment can only be made on the repayment date of the current period's bill.