In the case of China Merchants Bank credit card, the consumption on the billing day depends on the settlement time of the merchant. Generally, the merchant settles the bill on the second day of your consumption, so the consumption on the billing day will appear on the next bill. Enjoy Maximum interest-free period. However, if the merchant settles in time and settles on the same day, the consumption on the billing day will be shown on the current bill and enjoy the shortest interest-free period. Please refer to the bill display at that time.