Cash advance: refers to the cardholder using the credit card to withdraw cash or use it within the cash advance limit approved by the Bank through bank counters, self-service banking equipment or other transaction methods recognized by the Bank. A credit card transaction that transfers a cash advance limit. Cash advance does not enjoy the interest-free period, and the cardholder must pay the handling fee and interest calculated at the prescribed interest rate from the accounting date.

Transaction date: refers to the date when the cardholder actually uses the card to make purchases, deposit and withdraw cash, transfer transactions, or actually generate transactions with relevant institutions.

Bank recording date: refers to the date when the Bank will credit the transaction amount to the cardholder's credit card account after the transaction occurs, or credit the relevant fees, interest, etc. to the cardholder's credit card account in accordance with regulations.

Billing date: refers to the date when the Bank summarizes the cardholder’s accumulated unpaid transaction principal, fees, etc. every month, calculates the interest, and calculates the cardholder’s current repayment amount. .

Repayment due date: refers to the last date specified by the Bank when the cardholder should repay the entire repayment amount or the minimum repayment amount.

Repayment date: refers to the date when the cardholder actually repays his or her debt to the Bank.

Minimum repayment amount: refers to the minimum amount stipulated by the Bank that cardholders should repay, including a certain proportion of all arrears that do not exceed the credit limit, the amount of arrears that exceed the credit limit, and the card issuer The specified amount of other outstanding debts that the cardholder should repay, as well as the sum of the unpaid portion of the minimum repayment amount in previous months.

Interest-free repayment period: refers to the premise that the cardholder repays all the repayment amount before the due repayment date (inclusive), the consumption transaction is from the bank recording date to the due repayment date. The period during which you can enjoy interest-free treatment.

Late payment fee: refers to the fee payable to the Bank according to regulations when the cardholder fails to repay before the due date or the repayment amount is less than the minimum repayment amount.

Over-limit fee: refers to the fee payable to the Bank according to regulations when the cardholder actively uses the card beyond the credit limit approved by the Bank.