Hello! The billing date is the date when you settle your monthly consumption in 1 month. The bill date is before, and the repayment date is from last month to the last repayment date of the consumption bill. You can make repayment before the billing date, but not later than the repayment date. Overdue repayment beyond the repayment date will have a negative impact on your credit information. But generally speaking, credit cards have a prepayment period of 2-3 days. If there is no repayment within the prepayment period, it is really overdue.