1. For cash withdrawal and transfer by credit card, the bank will calculate the interest at the daily rate of 0.05% from the billing date to the repayment date.

2. Except for cash withdrawal and transfer, transactions such as credit card consumption enjoy an interest-free period of 25-56 days. As long as you can repay in full and on time, you don't need to pay interest. If the repayment is not made in full and on time, the bank will calculate the interest at the daily interest rate of 0.05%.