After the minimum repayment amount is paid off, interest shall be charged at 0.5 ‰ of the overdraft amount every day, which is equivalent to the annual interest rate 18%.

There is generally a handling fee rate for installment repayment. The more installments, the higher the rate. The rate varies from 0 to 13% according to the installment time, with the maximum not exceeding 15%.

But if you have the ability, you should still repay in full, because full repayment is the safest and there is no cost.

Other repayment methods generally involve interest, late fees, handling fees and other expenses, which are high in cost and easy to form bad habits, so be careful to become "card slaves".

Generally speaking, as long as the repayment is on time, as long as it is not in arrears.