Legal analysis: Credit cards will have an interest-free period. If you repay before the repayment date, no interest will accrue. If you repay the installment on time, you will also be charged a handling fee, but if it is overdue, there will be Interest (and still high interest).

Legal basis: "Credit Card Business Management Measures"

Article 18 The maximum overdraft period of a credit card is sixty days.

Article 19 Credit card overdraft interest will be calculated at a daily interest rate of 5/10,000 within 15 days from the date of signature or bank accounting. If it exceeds 15 days, it will be calculated at a daily interest rate of 10/10,000. Thirty days or if the overdraft amount exceeds the prescribed limit, the daily interest rate will be calculated at 15/10,000. Overdraft interest is not calculated in stages, but is calculated based on the highest interest rate bracket for the final term or the maximum overdraft amount.