The minimum repayment amount is 10% of the total amount. If you don't feel bad about the daily interest of five ten thousandths, you can always pay the minimum repayment amount. As long as you can pay the minimum repayment amount every month, there will be no bad credit record of your overdue repayment in the bank information. The consumption interest of 3,000 yuan is 1.5 yuan per day, and 45 yuan per month, and compound interest will be calculated, that is, compound interest. As long as you owe money, no matter how much, even if it is 1 yuan, the interest is calculated according to the 3,000 you overdrawn at the beginning. You can call for installment at no cost, and 12 3000 only needs to be returned to 250 yuan. There is no interest every month, but there is a handling fee of 0.5% per month 15 yuan. It saves a lot of money than the minimum repayment amount.