1. After overdraft consumption, pay off the full amount before the repayment date of each period of bill, so that no interest is required;

2. Overdraft consumption on the first day after the bill date, This way you enjoy the longest interest-free period.

3. Credit card overdraft consumption charges:

1. Credit card cash withdrawal:

1. 1 Credit card overdraft withdrawal:

A Procedure Fee: It depends on the regulations of each bank. For example, China Construction Bank's domestic credit card will charge 0.5 of the cash withdrawal amount, with a minimum of RMB 2 per transaction and a maximum of 100 yuan per transaction; China Merchants Bank's domestic credit card will charge 1 of the cash withdrawal amount, with a minimum of RMB 10 per transaction;

B Interest: Calculated based on daily interest rate of 5/10,000.

1.2 Cash withdrawal for credit card overpayment: Some banks need to charge handling fees, while others do not.

2 Use your credit card to make purchases at the POS machine:

2.1 Pay the full amount on time, free of interest;

2.2 Pay the minimum payment on time, with daily interest of RMB 10,000 Five-fifths of the amount will be charged;

2.3 Overdue repayment, in addition to the above-mentioned interest, there will also be late fees.