Ping An Bank's credit card charges normally, repays on time, and does not bear interest. The daily interest rate of minimum repayment, cash prepayment and overdue repayment is 0.05%, which are calculated on a daily basis. The following is the calculation method of interest:

1. Minimum repayment amount:

The first part of interest = total bill × daily interest rate × the number of days from the date of transaction to the day before the minimum repayment amount;

The second part of interest = outstanding amount × daily interest rate × the number of days from the repayment date of the minimum repayment amount to the day before debt repayment;

Total interest = the first part interest+the second part interest.

2. Prepaid cash repayment:

Total interest = total cash advance × daily interest rate × days from the date of cash advance to the day before debt repayment.

3. Overdue repayment:

Total interest = overdue amount × daily interest rate × days from the trading day to the day before debt settlement.