Debit interest refers to the interest caused by failure to repay the minimum credit card payment starting from the interest-free date.

Sources of debit interest: (1) Consumption: The cardholder’s transactions other than cash and transfers are from the bank accounting date to the due repayment date notified on the statement (hereinafter referred to as the due repayment date). The interest-free repayment period ends on the payment date) (inclusive), and the due repayment date shall be subject to agreement with the cardholder. If the cardholder repays all the amount due before the due repayment date (inclusive), there is no need to pay overdraft interest for transactions other than cash and transfers. If the cardholder repays the minimum repayment amount before the due repayment date (inclusive), the card issuer will only charge the unpaid portion at a rate of 50,000 per day from the bank accounting date to the repayment date. Overdraft interest, overdraft interest is compounded on a monthly basis.

(2) Overdraft withdrawals and transfers: Overdraft withdrawals and transfers do not enjoy the interest-free repayment period, and the amount used must be paid at a rate of 50,000 per day from the bank accounting date to the repayment Overdraft interest as of date.

(3) Late payment fee: Failure to repay the minimum payment amount before the due payment date (inclusive) will be deemed to be overdue. In addition to paying overdraft interest according to the above interest calculation method, a late payment fee of 5% of the unpaid portion of the minimum repayment amount should be paid, with a minimum of 1 yuan or 1 Hong Kong dollar or 1 US dollar or 1 euro, and a maximum of 500 yuan or 500 Hong Kong dollars or 100 USD or 100 EUR. Overdraft interest from the bank accounting date to the repayment date, the overdraft interest is compounded on a monthly basis.