“Minimum repayment amount” refers to the minimum amount that the cardholder should repay before the due repayment date (inclusive), including a certain proportion of the accumulated unpaid principal of consumer transactions, all fees, interest, The sum of the cash advance principal, the amount owed in excess of the credit limit, the unpaid portion of the minimum repayment amount of the previous period's bill, and the amount of other arrears that the cardholder should repay as stipulated by the Bank. The minimum repayment amount is calculated separately for RMB accounts and foreign currency accounts. The minimum repayment amount is subject to the statement.

If you repay according to the minimum repayment amount listed on the statement, it will not have an impact on your credit record, and the current statement will not enjoy the interest-free repayment period. All transaction amounts on the statement will accrue interest from the recording date of each transaction to the repayment date, and compound interest will be accrued on a monthly basis. Unless otherwise specified, the CCB interest rate benchmark is 5/10,000 per day. If there is any adjustment, the upper limit of the daily interest rate is 5/10,000 and the lower limit is 0.7 times of 5/10,000 (approximately converted annualized interest rate upper limit is 18.25 and the lower limit is 18.25). 0.7 times 18.25 is 12.775. The conversion formula is calculated as annual interest rate = daily interest rate * 365). If the relevant regulations of the People's Bank of China change, the regulations will be followed. Please refer to the bill for actual interest.

(In case of business changes, please refer to the actual situation.)