First of all, it is necessary to determine whether the billing date can be changed. At present, most banks support changing the billing date, usually once a year or for a certain period of time. If ICBC changes it once a year, BOC and CCB can also change it for free.

Secondly, the billing dates of the three cards are divided into one month, such as the beginning of the month, the number 10 and the number 20, which can maximize the billing cycle and maximize the utilization. One card is used before 10, two cards are used after 10, and three cards are used after the 20th, so the billing cycle is the longest.

Finally, consider the card habit. For example, if you pay utilities on the 8th of each month or have shopping habits at the beginning of the month, you can consider two or three days after the bill date as a common online property day or payment day. You can pay all kinds of fees on the 8 th of each month, and you can also swipe your card, so you can set the billing date on the 6 th. In this case, it is in your best interest to have a long billing period.

Like me, I pay the electricity bill from the 5 th to the 20 th of every month, and I change the bill to 10. Generally, I will pay by credit card from 10 to 12, which can take 53-54 days, up to 56 days. Too professional.