The billing date and repayment date of each bank credit card are different, and there is no uniform standard.
Take the construction behavior as an example. The last repayment date of CCB credit card is the 2th day after the bill date.
For example, the last repayment date of CCB's credit card is the 2th day after the billing date. Assuming that your credit card billing date is the 7th of each month (fixed), the last repayment date is the 2th day after the billing date, that is, the 27th of each month.
that is, August 8th to September 7th is a billing cycle, and the credit card spending in this cycle will generate a bill on the 7th of the following month, and September 27th is the final repayment date, and the full repayment before this date is interest-free. And so on ......
Therefore, if you swipe your card on the day of billing, the interest-free period is the shortest, only 2 days (swiping your card on the 7th of the current month and repaying it on the 27th of the next month), and swiping your card after billing, the interest-free period is the longest, only 5 days (swiping your card on August 8th and repaying it on October 27th).
note: the billing date and repayment date of the credit card must not be forgotten.
Extended information:
The repayment date is also called the final repayment date. If you do not repay in full before the due repayment date and do not choose the minimum repayment amount by credit card, then you may face the following penalties:
1. All consumption funds are no longer entitled to interest-free repayment, and the bank will calculate daily interest with the consumption amount as the principal, with a daily interest rate of five ten thousandths.
2. Receiving a call and a letter from the bank;
3. Freeze your account and feed back your arrears record to the People's Bank of China and record it in your credit file, which will affect your personal credit;
if you really don't have enough money to repay in full on the due repayment date, please choose the minimum repayment amount by credit card, and only 1% of the total expenses will be repaid in this way, so that although there is no interest-free repayment period, personal credit will be avoided.
Reference: Baidu Encyclopedia-due date of credit card repayment
Reference: Baidu Encyclopedia-billing date.