CCB’s credit card has a fixed billing date every month, and 20 days after the billing date is your final repayment date. If you repay in full before the final payment date, you will enjoy an interest-free period. If you do not repay the amount in full on time, your consumption will not enjoy the interest-free period, and the bank will charge interest at a rate of 50,000 per day from the date your consumption is recorded.

Because I don’t know your consumption and billing date, there is no way to calculate it for you accurately. I can only give you a rough calculation.

If the interest is calculated based on 120 days, 12000*0.0005*120=720.

This is just the most basic algorithm, because after you repay each month, the overdraft principal will be subtracted from the repayment part and then the interest will be added to calculate the compound interest. This is very complicated and impossible to calculate. Clear to you.

But you have to remember that after your bill is settled, even if you cannot pay the full amount, you must first repay according to the minimum payment amount on the bill. Although interest will still be calculated in this way, it will not affect your personal credit and will not incur late fees. Late payment fee = (minimum repayment amount - repayment amount as of the due payment date) × 5%, with a minimum of 5 yuan (1 USD/EUR).