If the cardholder spends 654.38+00000 yuan on credit card and the overdraft time is 30 days, the interest will be 654.38+00000× 0.05 %× 30 = 654.38+050 yuan.
In addition, the credit card of Shanghai Pudong Development Bank has an interest-free period. If the cardholder can pay off the overdraft in full on or before the repayment date, the bank will not charge the interest generated by overdraft consumption, and the interest on cash withdrawal cannot be exempted.