My credit card of China Merchants Bank will expire on 22nd every month, and the repayment date is 10. How to use it reasonably? I will be paid on the 20th.

The billing date of China Merchants Bank's credit card is 22nd and the repayment date is 10.

The interest-free period of credit card consumption is the shortest 18 days and the longest is 50 days.

The interest-free period of credit card consumption is the longest on the first day (23rd) after the bill date.

165438+ 10 before October 22nd, and the repayment is 65438+February 10.

165438+1repayment after October 22nd is 65438+1October 9th.

Credit card spending on the 22nd day of billing date, interest-free period 18 days.

On the first day (23rd) after the bill date, the longest interest-free period is 50 days.

Note: the repayment date is 18 days after the bill date. The accounting date is fixed.