1. My bill is due on the 25th of every month. When should I repay the loan without interest?

Answer: The repayment date is 20 days after the bill date. There is an interest-free period for credit card purchases. If you pay back before the repayment date, you will enjoy interest-free. There is no interest-free period for credit card cash withdrawals.

2. Regarding the repayment amount, for example, my bill date on June 25th shows a consumption withdrawal of ***12,000. Can I continue to use all the items on the card after repaying 12,000 on the 26th? Credit limit?

Answer: Yes, you have to repay on the 26th and refresh the credit card information on the 27th before you can continue to use the credit card limit.

3. What is the annual fee for this card? Some say it's 3,600 a year, and some say it's free for life.

Answer: The annual fee is 3,600. There is no annual fee for accounts that pay wages, pensions, and medical insurance.

4. How is the interest calculated after withdrawing cash from an ATM? For example, if I withdraw 1,000 on the 1st and deposit 1,000 on the 5th, will interest not be included?

Answer: Credit card cash withdrawals are not interest-free. The daily interest is 0.5‰. For a cash withdrawal of 1,000 yuan, the interest is 0.5 yuan per day and the interest is 2.5 yuan for 5 days.

5. How long does it take to increase the credit limit after using this card? My current limit is 50,000 yuan, and I can withdraw 15,000 in cash.

Answer: The credit card automatically adjusts its limit every six months based on usage needs.

6. Is this credit card suitable for saving money? Will the interest rate be higher than that of a regular card?

Answer: Credit card deposits have no interest and are not suitable for deposits.