1, the principal of the credit card is RMB 654.38+10,000 without interest, while the credit card transaction has an interest-free period of 20-50 days without interest, which is RMB 654.38+10,000. Paying off all debts during the interest-free period will not generate any expenses.

2. The overdue interest of monetary credit card is calculated at 0.5 ‰ per day, and the monthly interest of 654.38+10,000 yuan (calculated at 30 days) is 1.5 1.9 yuan.