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The billing date is 2 1, when will the repayment be made? When is it cost-effective to swipe your card?
In the case of China Merchants Bank's credit card, No.21is the billing date, and No.9 is the repayment date.

Credit card spending can enjoy interest-free period. Interest-free period means that you don't have to pay any interest if you pay off all the consumption money before the final repayment date. The interest-free repayment period is 20 days to 50 days, depending on the specific time of your consumption. If your consumption is before the current bill date, it will be included in the current bill; You can enjoy a longer interest-free period if you include it in the next bill after the bill date.

Suppose the billing date is 10, and the due repayment date is 28. For example, under normal circumstances, customers spend money on August 9, bill is issued on August 10, and repayment is required on August 28, so the interest-free period is the shortest; If the customer spends money in August 10, the bill will not be issued until September 10, and the repayment on September 28 has a maximum interest-free period of 50 days. That is, customers can enjoy the longest interest-free period if they repay all the amount due before the due repayment date (inclusive).