1. If you spend by credit card, you can enjoy interest-free treatment by fully repaying before the due repayment date. If the full repayment is not made before the due repayment date, but the minimum repayment amount is still sufficient, all transactions in the bill will not enjoy interest-free treatment, and the interest will be calculated at the rate of five ten thousandths of the daily interest from the transaction entry date. If the principal is 2, yuan, there must be at least 1 yuan's interest every day. If the minimum repayment amount is not paid, in addition to interest, there will be a late payment fee, which is 5% of the unpaid part of the minimum repayment amount, and the minimum 5 yuan.

2. In case of overdraft cash withdrawal, interest will be calculated at the rate of .5 ‰ per day from the date when the cash withdrawal transaction is recorded, and compound interest will be calculated on a monthly basis. Interest will be calculated every day for all unpaid cash withdrawal transactions. 2 days after the bill date is the due repayment date. If the minimum repayment amount is not paid on the due repayment date, it will be the same as above, except for interest, there will be a late payment fee.