Credit card interest: 1. If the credit card bill is not repaid in full and on time, the interest-free period will not be enjoyed. The amount of each consumption in the previous period's statement is the interest-bearing principal. The number of interest-bearing days is from the date when the account is recorded to the date when the account is paid off. The daily interest rate is 0.5% of the interest-bearing rate (according to the bill If you repay in full and on time, credit card purchases are interest-free). 2. When handling a cash advance transaction with a credit card, interest will be charged at a daily interest rate of 5/10,000 from the date of the cash advance transaction to the repayment date, and compound interest will be charged monthly. A certain amount of cash advance will be charged according to China Merchants Bank's credit card charging standards. Handling fee.