"minimum repayment amount" refers to the minimum amount that the cardholder should repay before the due repayment date (inclusive), including a certain proportion of the accumulated principal of consumer transactions, all expenses, interest, cash principal advanced, the amount of arrears exceeding the credit limit, the minimum repayment amount of the previous bill and the sum of other arrears that the cardholder should repay as stipulated by CCB. The minimum repayment amount is calculated according to the RMB account and foreign currency account of each card. The minimum repayment amount shall be subject to the statement.

if the repayment is made according to the minimum repayment amount listed in the statement, the credit record will not be affected, and the current statement will not enjoy the interest-free repayment period. Interest will be charged on all transactions in the statement from the accounting date of each transaction to the repayment date, and compound interest will be charged on a monthly basis. Unless otherwise specified, our interest rate benchmark is .5 ‰ per day. If there is any adjustment, the upper limit and lower limit of the daily interest rate are .7 times of .5‰ (the upper limit and lower limit of the annualized interest rate are approximately 18.25% and 12.775% respectively, and the conversion formula is calculated by annualized interest rate = daily interest rate *365). If the relevant provisions of the People's Bank of China are changed, the provisions shall prevail. Please refer to the actual interest listed in the bill.