Credit card transaction date: refers to the date when the cardholder actually makes purchases, deposits and withdrawals, transfer transactions, or actual transactions with relevant institutions.

Credit card billing date: refers to the date when the card issuer will credit the transaction amount to the cardholder's credit card account after the transaction occurs, or credit the fees, interest, etc. to the cardholder's credit card account in accordance with regulations.

The credit card transaction date and the billing date are usually not the same day.

The credit card transaction date refers to the actual date of the credit card transaction. For example, a credit card holder purchases 500 yuan in a supermarket on May 1st; then, May 1st is the credit card transaction date, but this A transaction may not be credited to the account on the same day. The credit date is when the bank actually records the transaction in your account. Most merchants settle the transaction with the bank the next day, so the credit date is usually delayed by one day.