As long as the money you use before the 19th of the bill date is repaid before the 7th of the next month, any money used after the 19th of the bill date will be repaid in the next month. For example, if you pay on January 20th and the bill comes out on February 19th, you need to pay it back between February 20th and March 7th. If you pay on January 18th and the bill comes out on January 19th, you need to pay it back between January 20th and February 7th. It mainly depends on the billing date. Hope it helps.