The monthly compound interest rate is .5 ‰ of the daily interest rate for the transaction money incurred by the cardholder when using the credit line of the credit card; If the cardholder repays all the repayable amount before the due repayment date (inclusive), the consumer transaction will enjoy interest-free treatment from the transaction date to the repayment date. The longest interest-free repayment period is 56 days and the shortest is 25 days.