1. What's the interest? The overdraft interest rate of a credit card is five ten thousandths of the daily interest rate, so the monthly interest rate is 3000*0.05%*30 days =45 yuan. But there is also a one-time handling fee 15 yuan.

Second, you can repay according to the minimum repayment amount; But most banks calculate interest according to the total amount of your overdraft, and a few banks calculate interest according to the balance of your outstanding debts. And the interest should be rolled into the principal and compounded monthly.

Third, this interest rate is not low, and the annual interest rate is above 18%, because 18% is calculated according to simple interest, and people will get more income as soon as they get profits. How much interest do you have in the bank for one year? That is 1%-4%. So credit card debt should be paid off as soon as you have money. Of course, unless you have an investment that can earn higher interest than this year, then you have taken the extra money for nothing.