I spent 4800 yuan, and finally I paid 3000 yuan, and 1.800 was still outstanding. From consumption to repayment of RMB 3,000, the interest will be calculated at 4800× 0.05%, and then the interest will continue at 0.05% every day until the next repayment.

The credit line is 5000, and the consumption is 4800. Available line before repayment is 200. After the repayment of 3000 yuan arrives, your available amount is 3200 yuan. Before the remaining debt 1800 is paid off (not "next month", subject to repayment), you can swipe the card for another 3200.