Bank of Communications credit card can't apply for two months' deferred repayment. In case of heavy repayment pressure, the minimum repayment amount can be paid first. Repay the minimum repayment amount, activate revolving credit, and generate revolving interest.

(1) If all the consumption funds are paid off before the due repayment date of the current billing cycle, credit card consumption can enjoy an interest-free period without generating cyclic interest;

(2) If all bills in the current period are not paid off on time, it will be regarded as using revolving credit, and all consumption in the current period will be charged with interest from the bookkeeping date (usually the second day after consumption), with a daily interest rate of 0.5 ‰ until it is fully paid off;

(3) If the cash advance function is used, if the cash advance part cannot enjoy the interest-free period, the interest will be calculated from the date of cash withdrawal, and the daily interest rate will be 0.5 ‰, and the compound interest will be calculated monthly until it is paid off.