Credit card deposits of 4000 yuan have no interest, and normal credit card consumption has an interest-free period of 20-50 days.

In case of overdraft, a handling fee of 1% will be paid, and the interest will be charged according to the central bank's bank card business management measures. The interest is 0.5 ‰ per day, that is, the monthly interest rate 1.52% and the annual interest rate 18.25%.