At present, the credit cards of Bank of Communications, Agricultural Bank, Industrial and Commercial Bank of China and Huaxia Bank are all interest-free for a long time, with a maximum of 56 days. Other banks, such as Bank of China and China Construction Bank, have an interest-free period of up to 50 days. The cardholder repays all the initial loans within the interest-free repayment period, and does not pay interest on non-cash transactions. However, cash advances do not enjoy interest-free treatment. Cardholders can enjoy the shortest interest-free period (25 days or 20 days) if they spend on the day after the bill, and the longest interest-free period (50 days or 56 days) if they spend on the day after the bill.