if the repayment is made in full, the original limit can be restored after the repayment is received. \xd\ 1. Credit cards generally have a grace period of three days after the repayment date, and repayment within the grace period is regarded as timely repayment; \xd\ 1. If it is paid off in full, no expenses will be incurred; \xd\ 2. If the repayment amount is less than the minimum repayment specified by the bank, it will be deemed overdue, with interest of .5%, and a late fee of 5% of the unpaid part of the minimum repayment amount will be charged; \xd\ 3. If the repayment amount is greater than or equal to the minimum repayment and less than the full repayment, interest shall be paid at .5%; \xd\ II. If the repayment is made beyond the grace period, it will be deemed overdue: the interest will be .5%, and there will be a late fee.