Withdrawal is transferred from Tenpay account to the bound bank card, and credit card repayment can be transferred from Tenpay balance to credit card, or from the bound bank card to credit card (inter-bank fee is exempted).

First, credit cards generally have a grace period of three days after the repayment date, and repayment within the grace period is regarded as timely repayment;

1. If it is paid off in full, no cost will be incurred;

2. If the repayment amount is less than the minimum repayment amount stipulated by the bank, it will be deemed overdue, with interest of 0.05%, and the unpaid part of the minimum repayment amount will be subject to a 5% late fee;

3. If the repayment amount is greater than or equal to the minimum repayment amount and less than the full repayment amount, interest shall be paid at 0.05%;

2. Repayment beyond the grace period is deemed overdue: interest is 0.05%, and there is a late fee.