April 4. Most POS credit cards arrive on T+1, which means they arrive on the next working day after the transaction. Holidays are non-working days, so if you use your card to make purchases during the holidays, the funds will be credited to your account after the first working day after the holiday. That is to say, the credit card swiped on Qingming Festival on April 3, 2022 will arrive in the account on April 4.