If the repayment is not enough, the minimum repayment amount will not only generate interest and liquidated damages, but even affect the credit investigation. If the bill of the current month fails to pay the minimum repayment amount of the previous period two days before the settlement of the next bill, it will affect the credit granting.

Calculation method of interest: if the repayment is not made in full, the ordinary credit card consumption part will not enjoy interest-free treatment, and interest will be calculated from the bookkeeping date for each transaction, with the daily interest rate of 0.5 ‰ until the closing date.

Collection method of liquidated damages: if the unpaid overdraft principal does not exceed RMB 20 or USD 3, the liquidated damages shall be collected according to the unpaid overdraft principal; If the outstanding overdraft principal exceeds 20 yuan or 3 dollars, a penalty of 5% of the unpaid part of the minimum repayment amount will be charged, with the minimum being 20 yuan or 3 dollars.