They must all be returned. It's the same at any time I think I know what you mean. This has little to do with the repayment date, but with the billing date. If you swipe your card on or after the 5th billing date, such as the 7th, the bill will be issued on the 5th of next month, and the repayment will be made around the 25th. The money will be repaid in about 45-50 days. However, this kind of opportunity is usually only available for the first time.