First, the credit card has a three-day grace period after the repayment date, and repayment within the grace period is regarded as timely repayment;

1. If it is paid off in full, no cost will be incurred;

2. If the repayment amount is less than the minimum repayment amount stipulated by the bank, it will be regarded as overdue, and interest will be charged at 0.05% from the date of consumption, and a late fee will be added;

3. If the repayment amount is greater than or equal to the minimum repayment amount and less than the full repayment amount, the interest will be calculated at 0.05% from the consumption date;

2. Repayment beyond the grace period is deemed overdue: interest will be calculated at 0.05% from the date of consumption, and there will be a late fee.