Credit card consumption can enjoy an interest-free period. If you can pay off all the expenses before the final repayment date, you don't need to pay any interest.

After consumption, you can enjoy the interest-free period if you repay in full and on time.

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.

1. If it is paid off in full, there will be no cost.

2. If the repayment amount is less than the minimum repayment amount stipulated by the bank, it will be deemed overdue, with interest of 0.05%, and the unpaid part of the minimum repayment amount will be subject to a 5% late fee.

3. If the repayment amount is greater than or equal to the minimum repayment amount and less than the full repayment amount, interest will be paid at 0.05%.

2. Repayment beyond the grace period is deemed overdue: interest is 0.05%, and there is a late fee.