The rate is 0.05%, and there is no interest-free period for the minimum repayment of credit cards. Interest is calculated at the rate of 0.05% per day from the entry date of all consumption in the current period until it is paid off and compounded monthly. Small loans and ordinary capital are used now. I can calculate the interest for a few days after I lend it out. After I repay the principal, interest will not be counted, and the daily interest rate is not high, only 0.03%, which is still very cost-effective.