Withdraw cash Taobao has an interest-free period for paying phone bills. Withdrawal not only has interest, but also needs to pay withdrawal fees. The interest is calculated at five ten thousandths of a day. If the repayment is not made on time on the last repayment date, there will be a late fee. Take a good look at your bill. If only 600 yuan cashed it, a billing cycle would not generate so much interest.