1. If the repayment is made on time and in full, and all purchases are made with credit cards, there will be no interest; 2. If it is cash withdrawal, or the full repayment is not made, recurring interest will accrue, and all the balances in the current period will be charged. Consumption will accrue interest starting from the recording date (usually the second day after consumption), with a daily interest rate of 0.05% until all is paid off. The daily interest rate is 0.5/10,000, and the interest on 8,000 yuan is 4 yuan per day.