Credit cards have a fixed billing date every month, and 20 days after the billing date is the final repayment date. Before the final repayment date, consumers will be repaid in full according to the bill amount and enjoy the interest-free period. If you don't repay in full and on time, consumers won't enjoy the interest-free period, and the bank will charge interest in full at the rate of five ten thousandths per day from the date when your consumption is recorded.

If the approximate interest of 3,000 yuan for half a year is 3,000 * 0.0005 *180 = 270, this is only an estimate, and there is compound interest, so we can't figure it out clearly. In addition, compound interest may be around 300 yuan, depending on how the bank calculates it.

In addition, those who fail to pay the minimum repayment amount before the final repayment date of each month will be charged a late fee, which is = (the minimum repayment amount-the amount paid before the due repayment date) × 5%, and the minimum 5 yuan (1 USD/Euro) will be charged monthly. Moreover, the bank will report your overdue records to the People's Bank of China, so at least the minimum repayment amount should be paid every month.