Under normal circumstances, no interest is charged. Basically, every bank's credit card has an interest-free repayment period. The length of interest-free repayment period first depends on the regulation of the issuing bank on the final repayment date, and then depends on the cardholder's consumption time, usually the shortest is 20 days and the longest is 50 days. If all the consumption amount is paid off on time within the interest-free repayment period according to the regulations of the bank, no interest will be charged. If the repayment exceeds the interest-free repayment period, interest of 0.5 ‰ will be charged every day from the date of consumption.

Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to a credit card in which the cardholder has a certain credit limit and can spend first and then repay. Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund according to the regulations, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the prescribed credit limit. Credit cards generally refer to credit cards.