Credit card repayment has a cycle, "billing date" refers to the date on which the card issuer summarizes the cardholder's cumulative outstanding purchase transaction principal, cash withdrawal transaction principal, fees and other charges each month, accrues interest, and calculates the amount of repayment due from the cardholder. The "due date" refers to the last date set by the card issuer on which the cardholder should repay the full amount due or the minimum payment (the amount of the purchase can be repaid before the due date, and can be repaid to the credit card by 24:00 of the day of repayment at the latest). For example, if the 5th of the month is the billing date and the 23rd of the month is the repayment date, then the consumption from the 5th of the previous month to the 4th of the current month will be repaid on the repayment date of the 23rd of the current month.