The daily interest rate of CITIC Bank's credit card is set at .5%, which is applicable to all kinds of overdraft and installment consumption of credit cards, ensuring that customers can clearly understand and bear the corresponding costs while enjoying convenient financial services. Citic Bank is committed to providing customers with transparent and fair financial services based on honesty, and this interest rate setting is the embodiment of this commitment.

if the cardholder fails to repay in full, and the repayment amount does not reach the minimum repayment amount, the cardholder will not only pay interest, but also incur liquidated damages, which is 5% of the unpaid part of the minimum repayment.