I really don't understand the credit card. Is it a short-term repayment? What else could it be? Hey, I need a detailed answer, the highest example, thank you!

For a complete credit card, such as 5000 credit, you need to know the billing date and repayment date. For example, 19 payment, 20 days after payment. If you spend 5000 yuan on 1. 19, 1 19, you will pay the bill, and then you must repay it after 20 days. If 1 1.20 consumes 5,000 yuan, the billing date is 12. 19, and the repayment date is 1. You can apply for installment payment before the repayment date or at the time of consumption. On the repayment date, you have no money to repay, and there is a minimum repayment amount. If you return this minimum amount, the bank will only deduct the unpaid interest and will not charge any late fees. There's too much information. The bank has a special introduction.