Take your credit card as an example:

1. Suppose you spend 100 yuan on September 4th, and the bank prints the bill on September 5th, so you need to repay 100 yuan. You should return it to the bank before June 3rd 10 (including June 3rd).

2. Suppose you spent 100 yuan in September of 15, and the bank printed the bill in September of 15, and there was no repayment. 65,438+05 10 month, the printed bill has this 65,438+000 yuan, and you printed it at 65,438+06,5438+. This 100 yuan is the longest interest-free repayment period.

If you don't repay in full on the repayment date, you will only repay according to the minimum repayment amount, which will not affect the bank's credit, but the bank will calculate the interest and reflect it in the next month's bill.

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.