If the current bill is not fully paid off, that is, less than 1300, the interest shall be calculated at five ten thousandths of the full amount every day from the consumption date.

If the minimum repayment amount is not reached, that is, 299, not only will the interest be calculated at five ten thousandths of the full amount every day. It will also report to the credit information center, which will affect the credit record.

Guangfa provides time tolerance service and pays it off after the final repayment date. You must call the bank to provide time tolerance service so as not to affect your credit history. To provide tolerance service, the difference of several yuan may not affect the credit record, but the interest difference is still calculated in full.

Next month's bill

If you swipe your card at 13000, as long as you don't cash in, the interest will not be calculated until the next bill is generated, and there is still a repayment period of about 20 days.

If the next bill fails to reach the minimum repayment amount, interest and time tolerance will be calculated, and the impact on the letter will be similar to this month. If the interest is not paid in full, and the minimum repayment amount is not reached, the credit record will be affected. Time tolerance is best not to be used, which will affect the evaluation.