Of course.

However, the consumption transactions in the bill do not enjoy the interest-free treatment. Interest will be calculated at a daily interest rate of 0.5% from the date of transaction entry.

From July 1, 2009, China CITIC Bank Credit Card Center will uniformly adjust the minimum repayment ratio of CITIC Bank credit cards from the current 10% to "the minimum repayment ratio of the first outstanding month is 10%. The minimum repayment ratio for the next month is 5%."