interest is charged, but as long as the arrears can be paid off on time according to the repayment date after credit card consumption, no interest will be generated. Interest is generated in the following ways:

1. Only the minimum repayment is paid off by the credit card: interest is charged in full at the specified interest rate from the transaction bookkeeping date, and compound interest is calculated monthly.

2. Cash withdrawal by credit card: There is no interest-free period, and interest will be calculated from the date of withdrawal, with the interest rate of .5 ‰ per day, in addition to the existing handling fee.

3. Late repayment by credit card: In addition to daily interest, there is also a late payment fee for overdue repayment.