Is Thursday this week the big FY day ? (Nothing stated) then a2...

Is Thursday this week the big FY day ? (Nothing stated)
then a2 a week after that. My neighbours “kids” 31 yo have never had credit cards. My aging mother returned hers because of the annual fee. I’ve been caught out once in 30 years missing a full payment and the charges were nearly $100. Have to admit paywave is handy, but for big ticket items I’ll go for a discount and use eftpos. Afterpay were first out of the gate with this concept. I’m going to give it a try (so long as there isn’t a convince fee)