Generally speaking, when you receive a credit card, the bank will give you a credit card usage guide. Although different banks have some differences in specific provisions, the general principles are basically the same.

The maximum overdraft limit of a credit card is based on your credit limit. Of course, in an emergency, banks are generally allowed to overdraw within the limit of 10% of the credit line, but an overrun fee of about 10% will be charged for the excess.

The determination of repayment period first depends on the billing date of your credit card. The final repayment period is generally within 20 days after the billing date, and of course there are also banks within 25 days after the billing date.

Interest, if your credit card is only used for credit card payment and is fully repaid before the final repayment date, then you don't need to bear any interest. If you spend with a credit card, but you don't pay in full after the last repayment date, you will charge interest at the rate of five ten thousandths every day from the day you spend, and compound interest will be calculated every month. In addition, if you use a credit card to take cash for consumption, there is no interest on this withdrawal, and you need five ten thousandths of interest every day.