It depends on how you repay the loan later.

Assume they are all consumption transactions.

The January bill should repay 5,000 yuan, with a minimum of 500 yuan. The due date for repayment is January 27. If you repay 500 yuan, the 5,000 yuan transaction in the January bill will be recorded from the transaction Interest will be calculated based on the daily interest rate of 5/10,000 from January 26th to January 26th. From January 28th, interest will continue to be calculated based on the principal of 450 yuan until February 7th. The interest generated will be reflected in the February bill. .

Calculating the interest, the unpaid 4,500 yuan, and the transactions that occurred in the February bill, assuming that the total *** is 6,000 yuan, and you repaid 6,000 yuan before the due payment date, the next period The bill will not accrue interest. If you continue to make the minimum payment, there will be interest on the March bill.

In other words, for consumption transactions, as long as the full amount is repaid before the due payment date, the current bill and the remaining unpaid consumption from the previous period (the interest on this part of the consumption is only calculated to the bill date) will still be charged. You can enjoy interest-free consumption treatment.