The minimum repayment amount of CITIC’s Platinum Card is 10% of the total amount owed. After adopting the minimum repayment method, consumption will not be interest-free. From the date the consumption is recorded, the daily interest rate will be 0.5%. Collect interest and compound interest on a monthly basis. Every time a card is swiped, interest of 0.05% of the amount swiped will be charged starting from the billing date (usually one day after the card swiping date). If you cannot make the minimum payment by the next accounting period, you will be charged a 5% late payment fee.