The differences are as follows:

1. The billing date is the date when the bill is issued, and the repayment date is the date of repayment; the billing date can be modified, but the repayment date cannot be modified; the default The billing date is determined by the credit card application time and approval time, and the repayment date is determined by the billing date. Therefore, the difference between the billing date and the repayment date is relatively obvious.

2. Whether it is the billing date or the repayment date, users need to understand the concepts of the two, because they are related to whether the user has repaid the loan on time and in full.

Extended information

1. How many days can the credit card be used after the credit card repayment date?

1. Credit card purchases can enjoy an interest-free period. The length of the interest-free period will vary depending on the time when the card is swiped. Generally, the maximum interest-free period that can be enjoyed by swiping the card on the bill does not exceed 20 days, and the maximum interest-free period that can be enjoyed by swiping the card after the bill is 50 days, or even 56 days.

2. The repayment date is the interest-free period enjoyed by swiping the card after the billing date, and it must be calculated in two stages. One is the time from the repayment date to the next bill date, and the other is the time from the next bill date to the next repayment date. In fact, it means you swipe the card on the bill, and the interest-free period you enjoy is not as long as the card swipe after the bill date.

3. For example, if the credit card statement date is the 23rd and the repayment date is the 10th, then the credit card swiped on August 10th will not be repaid until September 10th, because August 23rd will When issuing a bill, there will be a 14-day interest-free period from August 10 to August 23, and an 18-day interest-free period from August 23 to September 10. The total interest-free period exceeds one month. .

4. If you feel that the interest-free period is not long enough, if it is a pure consumption transaction, you can wait until the bill comes out before applying for installment. You can postpone the consumption on the repayment date until the bill comes out next month. Repayment is equivalent to extending the interest-free period by one month, and the outstanding debts that have not been installed in installments must be repaid before the end of the current repayment date.

5. After the credit card repayment date, if the card status is normal and the credit limit is sufficient, it can be used forever, but the interest-free period will be judged based on the card swiping time and billing date.