The credit card has an interest-free period of one month, and then it is calculated according to five ten thousandths of a day. If it is overdue again, the principal plus the late fee will be calculated at 0.5 ‰ of the monthly principal. There is no interest-free period for cash withdrawal, and the handling fee is calculated at 0.5% of the cash withdrawal amount, and the late payment fee is calculated at 0.5 ‰ every day.