If the repayment is not made on time, interest and liquidated damages may be charged:

Interest:

If the cardholder repays the loan before the final repayment date If you do not repay the current balance in full on the current bill, you will have to pay interest on overdraft consumption transactions.

If the full amount of the current bill is paid off before the next bill is issued, the interest will be calculated from the date the overdraft is recorded to the day before the amount is paid off; if the overdraft is not repaid before the next bill is issued, If the overdraft is cleared, the next period's bill will show the interest from the overdraft consumption recording date to the current period's bill date. The interest calculation standard is 5/10,000 per day.

Liquidated damages:

If the cardholder fails to repay the minimum payment amount of the current bill before the final repayment date, in addition to paying interest on overdraft consumption, he will also have to pay Liquidated damages.

The liquidated damages are 5% of the unpaid portion of the minimum repayment amount, with a minimum of RMB 10/USD/EUR/GBP 1/AUD 1/CAD/JPY 150.