1 and 4,000 yuan will be cashed out by credit card, with the minimum monthly repayment of 10% 400 yuan, 30-day interest of 4000 x 0.5‰= 60 yuan, and 10 requires 600 yuan interest.

2. If the minimum repayment amount is calculated every month, it is quite infeasible, because on the day of withdrawal, you will generate five ten thousandths of daily interest, that is to say, the interest at the end of the month is 4,000 x0.5 ‰ x 30 days =60 yuan, so since the existing handling fee ranges from 20 to 40 yuan, the handling fee ranging from 20 to 40 yuan will be added in the first month. Since you haven't paid off all of it, as long as you haven't paid off, even if the difference is 1 yuan, you will be paid interest at 5/10000 yuan per month. /kloc-after 0/0 months, you have to pay back more than 600 interest.