If the minimum repayment amount is paid before the repayment date, and a day or two later, the full repayment is paid before the repayment date, then no interest will be charged.

If one or two days after the repayment date of the minimum repayment amount, interest will still be charged, which is a full penalty interest. From the date when the current consumption is recorded in the account until the debt is paid off, the total amount payable in the current bill will be used as the principal, and interest will be charged at the rate of five ten thousandths per day, and compound interest will be charged on a monthly basis. Interest is not charged according to the unpaid amount, but the full penalty interest.