the premise is not enough. The first is how many months to pay off by installments, and the second is what is the interest rate? Otherwise, there is no answer.

I'll answer you as I guess. The installment is five years (6 months) and the annual interest rate is 12% (the monthly interest rate is 1%).

the calculation formula is: 5*6*1%=3 yuan. This is the algorithm of car loan in 4S shop. In five years, I paid back 8, yuan with principal and interest.

if the credit card overdraft is not in installments, the principal will be repaid 5, yuan per month * five ten thousandths of the daily interest.

calculation formula: 5*.5*3=75 yuan.

75 yuan *6 months = 45, yuan. The total interest for five years is 45 thousand.

Of course, credit cards also have an interest-free period. If you pay 5, yuan before the first final repayment period, there will be no interest. If you only pay the minimum monthly payment, or the minimum payment is not enough, the calculation is more complicated. If you don't pay it back after 9 days, the bank will report your arrears to the People's Bank of China Credit Information Center as a bad credit record, and you will never get a loan to buy a car or a house for the rest of your life, at least for five years. Decide according to your repayment ability.