if the repayment is not made on time, it is possible to charge interest and liquidated damages: interest: if the cardholder fails to fully pay off the amount due on the current bill before the final repayment date, he/she will have to pay interest on the overdraft consumption transaction.

if the full amount of the current bill is paid off before the next bill is issued, the interest will be calculated from the billing date of overdraft consumption to the day before the payment is paid off; If the next installment is not paid off before billing, the next installment will show the interest from the billing date of overdraft consumption to the billing date of the current installment. The interest standard is five ten thousandths/day.

liquidated damages: if the cardholder fails to pay the minimum repayment amount of the current bill before the final repayment date, he/she will have to pay liquidated damages in addition to the interest on overdraft consumption. The penalty is 5% of the unpaid minimum repayment amount, with the minimum RMB 1 yuan/USD 1/EUR 1/GBP 1/AUD 1/CAD 1/JPY 15.