It doesn't matter if you don't pay it back on the 20th, as long as you can pay it back before the 23rd, otherwise it will be overdue.

Credit card repayment:

First, credit cards generally have a grace period of three days after the repayment date, and repayment within the grace period is regarded as timely repayment;

1. If it is paid off in full, no cost will be incurred;

2. For the minimum repayment amount, the daily interest shall be calculated at 0.05% from the consumption bookkeeping date;

2. If the repayment exceeds the grace period or the repayment amount is lower than the minimum repayment amount stipulated by the bank, it will be deemed overdue, and the daily interest will be 0.05%, and the interest will be calculated from the bookkeeping date. In addition, a late fee of 5% will be charged for the unpaid part of the minimum repayment amount, which will be charged monthly.