Credit card spending can enjoy an interest-free period of 25-56 days. Specifically, the overdraft consumption of the current month will be returned in full before the 25th (inclusive) of the following month, and the overdraft interest will be exempted; If the repayment exceeds 10% (inclusive) before 25th (inclusive) of the following month, overdraft interest shall be charged at 0.5 ‰ of the unpaid amount; If less than 10% is returned before 25th of the following month, a fine for delaying payment will be charged at 5% of the unpaid amount (if only 2% is returned, a fine for delaying payment will be charged at 5% of the unpaid amount); Cash overdrafts do not enjoy interest-free period, and interest is charged at the rate of five ten thousandths per day.

In addition, if it is not fully paid off before the 25th of the following month, the interest-bearing days will be calculated according to the actual overdraft days, and the interest-free period will not be deducted.

If the credit limit is exceeded, the overrun fee will be charged at 5% of the excess, and the interest-free period will not be enjoyed.