There is no interest-free repayment period for repayment after quasi-credit card consumption. After the cardholder overdraws with the quasi-credit card, he shall pay interest to the bank at the rate of 0.5 ‰ of the overdraft every day, and the latest repayment date shall be the 60th day after the overdraft date.

If the debt is not paid off for more than 60 days, it will be regarded as overdue repayment by the bank, which will affect the cardholder's personal credit, thus affecting his personal finance and credit card application in the future.