If you don't even pay the minimum repayment amount, you will have to pay a late fee in addition to interest. The calculation method is that every consumption in the bill, from the date of consumption, will charge five ten thousandths of interest every day. The late payment fee is 5% of the unpaid part of the minimum repayment amount.

After paying the minimum repayment amount, deduct the principal of your repayment and continue to charge interest on the remaining arrears. If the cardholder needs a long time to repay, for example, it takes more than three months to pay off the arrears, it is more cost-effective to apply for installment repayment than the minimum repayment amount.