If it is an overdraft withdrawal, there will be handling fees and interest. The handling fee is 0.5 of the principal amount of the cash withdrawal, with a minimum cap of 2 yuan and a maximum cap of 50 yuan. Interest will be calculated at a daily interest rate of 5/10,000 from the date the cash withdrawal is entered into the account, and compound interest will be calculated monthly. The payment due date is 20 days after the bill date.

If it is a consumer transaction, you can enjoy the interest-free treatment if you repay in full before the payment due date. If you only pay the minimum repayment amount after swiping the card but not the full repayment, the bill will be charged. All transactions in will calculate interest at a daily interest rate of 0.05% from the transaction entry date.