Using a credit card means that you agree to suggest that the credit relationship with the bank should be repaid as scheduled according to the bank's regulations. If you don't repay it at that time, the bank has the right to make a collection

1. There is no interest charge for full repayment on the repayment date stipulated by the bank after spending with a credit card. 2. There is a handling fee of 1% to 3% and interest of .5 ‰ of the daily interest rate for withdrawing cash with a credit card.

3. After the overdraft is cashed out, it should be repaid in full on the repayment date stipulated by the bank or the minimum repayment amount is 1% of the total payable amount in the current period and the interest and expenses of the outstanding amount owed last month

4. If the repayment is missed on the last repayment date, a late fee of 5% of the outstanding portion of the minimum repayment amount will be charged and personal credit records will be affected

5. The bank will bring a lawsuit according to law for those who have been in arrears for a long time.