If the credit card is not fully repaid and the minimum repayment amount is sufficient, the daily interest will be calculated according to five ten thousandths of the bill consumption. For example, your current bill consumption is 1 1,000 yuan, and the minimum repayment is 1 1,000 yuan. The daily interest rate is 1000 times 5/10000 =5 yuan/day, which means that 5 yuan's interest will be generated every day, but the credit card is not recommended to be the lowest, so it is not cost-effective to pay by installment.