This explanation is annoying. Let's put it simply. The minimum repayment starts to calculate the interest after you pay interest-free repayment, but he calculates the interest according to 4,7 yuan, not the balance of your repayment. At present, only ICBC pays interest according to the unpaid part, while other banks pay interest according to the consumption amount as long as they don't pay in full, and then you withdraw 1 yuan later. There is no interest-free period for withdrawal, that is, interest begins to be calculated on the day you withdraw.