When a credit card repays depends on the repayment date of the credit card.

Usually, the cardholder needs to make repayment between the billing date of the credit card and the final repayment date. Most banks still have a grace period of 3-5 days. If the cardholder fails to repay the loan on the last day of the grace period, the bank may regard it as overdue. The time from the credit card bill of different banks to the final repayment date is different, which is about 20 days, that is, the cardholder can repay within 20 days. If the cardholder must repay the minimum repayment amount within the final repayment period, so as not to adversely affect personal credit.