There will be interest if the credit card of Guangfa Bank has a minimum repayment amount. If it cannot be repaid in full after consumption or cash withdrawal, it can be repaid according to the minimum repayment amount. However, the daily interest rate is 0.05%, and the minimum repayment amount is: 65438+ 00% of the current consumption amount+65438+00% of the current overdraft cash withdrawal amount+unpaid amount of last month+interest and expenses of this month.

The minimum repayment amount will not affect personal credit history. It is best to pay attention to the statement that the minimum repayment amount for each installment is listed above. You can also call customer service for consultation. The customer service telephone number of Guangfa Bank is 95508.

No matter whether you use credit card to spend or withdraw cash, you must repay at least the minimum repayment amount on the last repayment day of each month, otherwise you will be charged a late fee record. Once a bad credit record is generated, it is difficult to apply for credit cards and loans in the bank in the future.