If the actual calculation is based on the number of days, the interest is 0.05% per day, but this interest is not only charged for the number of days late payment is made. Instead, you need to receive it from the day you spend the 8,000 yuan until the day you pay it back. So if you ask like this, you can't calculate exactly how much interest you have to pay, 8000*0.05=4 yuan/day. In short, in the first month, it is 4 yuan per day in interest, and one day counts as one day. Also, each bank charges different late payment fees, and you can’t be sure how much late payment fees will be deducted from your card.

However, the CCB credit card I used has a 5-day grace period. If the payment can be made within 5 days of the last payment date, it will still be calculated as on-time payment. There will be no late payment fees, and you can still enjoy interest-free repayment if you use your card for consumption. So if your situation is on a CCB credit card, if you transfer the money to the credit card 3 days after the repayment date, and the repayment is successful, it will still be considered as on-time repayment, and no extra money will be deducted.