1. If the repayment is made in full and on time, and all the payments are made by credit card, there is no interest; 2. If it is cash withdrawal, or if it is not repaid in full, it will generate cyclic interest. All consumption in the current period will be charged with interest from the bookkeeping date (usually the day after consumption), with a daily interest rate of five ten thousandths until it is fully paid off. The daily interest rate is five ten thousandths, and the interest of eight thousand is 4 yuan every day.