The consumption records before the billing date are recorded in the unbilled bills. The billing date refers to the date when the issuing bank regularly summarizes the transactions and expenses of the cardholder's credit card account in the current period, calculates the interest and calculates the payable amount of the cardholder in the current period.

the consumption on or before 18th of each month on your billing date will be settled uniformly on 18th and repaid before 28th of the final repayment date (different banks calculate the final repayment date in different ways, which is about 18th-21st after the billing date). If your repayment before 18th can offset the same consumption amount, the offset amount will not be included in the bill amount.

extended information

billing date correlation:

from the first day after the previous billing date to the end of the next billing date, it is a billing cycle. During this period, the credit card spending will add up to get your repayment amount.

the interest-free period is the longest for consumption on the first day after the bill date.

most credit cards have the function of modifying the billing statement. for example, a credit card I use has the opportunity to modify the billing statement twice a year. If you change the billing date to yesterday's day the day before the billing date, the moment of witnessing the miracle will come, and this month's bill will not be generated, and it will be issued nearly one month later, with a much longer interest-free period.

Reference: Baidu Encyclopedia _ Credit Card