The interest-free payment period is in practice a free loan for at least 30 days.
Example: buying a vacuum cleaner The due date of the credit card invoice is the 15th of each month and the invoicing period is from 25 March to 26 April. We recommend that you choose the date on which you receive regular income as the due date to make it easy for you to pay the invoice when you have money available.  1 April You buy a vacuum cleaner. 15 April Due date on the credit card invoice, on which you pay the invoice for the previous invoicing period (March). 26 April New invoicing period starts. Any purchases made after this date will be invoiced in June. 15 May Due date for purchases made in April, including the vacuum cleaner in this case. If you had bought the vacuum cleaner on 26 April, you would still pay it on 15 May. If you had bought the vacuum cleaner on 27 April, the due date would be 15 June instead. You can optimise the invoicing period of your credit card invoice and make it as long as possible. You can have an interest-free payment period of as long as 45 days if you buy the vacuum cleaner on 27 April.