Hello, the credit card overdraft limit will bear interest from the bank bookkeeping date, with a daily interest rate of five ten thousandths. Interest is compounded monthly and deducted from the cardholder's account. If the overdraft interest rate changes, it shall be implemented according to the relevant regulations of the People's Bank of China and the issuing bank.

For overdraft transactions other than cash withdrawal overdraft and transfer overdraft in the current bill, if the cardholder repays all the amount due before the due repayment date (inclusive), there is no need to pay overdraft interest and enjoy interest-free treatment from the bank bookkeeping date to the due repayment date. Cash withdrawals, transfers and transactions that do not meet the interest-free conditions shall bear interest from the bank bookkeeping date. If the cardholder fails to repay in full on schedule, he will not enjoy the interest-free repayment period. If the company fails to repay the minimum repayment amount on schedule (the company card does not enjoy the minimum repayment amount), it shall also pay a certain percentage of overdue repayment penalty for the unpaid part of the minimum repayment amount.