Credit cards have a fixed billing date every month, and 20 days after the billing date is the final repayment date. Before the final repayment date, consumers will be repaid in full according to the bill amount and enjoy the interest-free period. If you don't repay in full and on time, consumers won't enjoy the interest-free period, and the bank will charge interest in full at the rate of five ten thousandths per day from the date when your consumption is recorded. If the minimum repayment amount is not paid every month, there will be a late fee, and the late fee = (minimum repayment amount-the amount paid on the due repayment date) × 5%, and the minimum 5 yuan (1 USD/Euro).

For this 30,000 yuan, I can only roughly calculate the interest for five years, which is 30,000 * 0.0005 * 365 * 3 = 16425. This is just a basic calculation method. In fact, there will be compound interest, which is interest. Of course we can't figure it out, just according to the bill at that time. In addition, I would like to remind you that if you can't repay in full and on time, you must remember to repay the minimum amount every month so as not to affect your personal credit.