My card in question is not a credit card, but a charge card. It typically draws statements to the 22nd of the month and they arrive by post within a couple of days - and if I give them a D/D it is taken when the bill is sent. Yours may differ but that is what happens with mine. I typically am obliged to pay on the 10th to 14th of the month, but it can be as early as the 6th. If I pay when I have to and not before, I get up to about 3 weeks free credit on a grand to two grand.