The interest-free period is from the date of credit card consumption to the repayment date, and the credit card arrears must be paid off before the repayment date of the current period, and no later than the repayment date. Otherwise, if it is overdue, the bank will charge interest and late fees, as well as bad credit records, which will affect future loans and credit cards.

Have the ability to repay, it is best to repay in full. If you are unable to repay in full, you can repay according to the minimum repayment amount. But the bank will charge interest according to the minimum repayment amount. From the date when the current consumption is recorded in the account to the completion of debt settlement, interest shall be charged at 0.5 ‰ of the total amount of the current bill every day, and compound interest on a monthly basis.