2. Cash withdrawal by card does not enjoy interest-free treatment, and the cash withdrawal fee is charged at 1% of the cash withdrawal amount. After cash withdrawal, interest will be charged at the rate of 0.5 ‰ per day and compound interest will be charged on a monthly basis.
3. If you don't repay in full or according to the minimum repayment amount on the final repayment date, you will be charged a late fee.
4. The overdue fine is charged at 5% of the unpaid part of the minimum repayment amount.
5. Credit card is free of annual fee in the first year. After swiping the card many times in the first year, the annual fee will be exempted in the second year (if the card is not opened or fails to meet the requirements, the annual fee will be charged in the second year). It is suggested that unused credit cards must be cancelled to avoid unnecessary expenses.