The timing of credit card use is very important for cardholders, especially when considering the interest-free period. Based on the bill date and repayment date rules, an ideal strategy is to spend on the first day after the bill date. Taking the China Construction Bank credit card as an example, the statement date is fixed on the 2nd of each month, and the repayment date is the 20th day after the statement date, that is, the 22nd of each month. This means that if you consume during the billing cycle from March 3 to April 2, the bill will be generated on April 2, and the repayment date will be April 22, and the interest-free period is only 20 sky. In contrast, if you swipe your card on the first day after the billing date, such as April 3, then the consumption will generate a bill on May 2, and the interest-free period at this time will be as long as 50 days until the repayment on May 22. day.

Therefore, it is wise to remember your credit card statement date so that you can make purchases at the most advantageous time and enjoy the longest interest-free period. For example, if the bill date is the 2nd of every month, then if you swipe your card every day after March 3, you can enjoy the longest 50-day interest-free period. At the same time, make sure you repay your loan on time to avoid additional fees incurred overdue. Remembering these dates can not only plan your consumption reasonably, but also effectively take advantage of credit card preferential policies.