This question is complicated and difficult to answer.

1. If credit card consumption fails to be repaid in full, interest will be calculated from the day of credit card consumption, with the interest rate of 0.5‰/ day.

2. If repayment is made by credit card, full repayment will be made before the final repayment date, and no interest will be charged.

3. If you withdraw cash by credit card, the handling fee of about 1% and the interest of five ten thousandths per day will be calculated from the day you withdraw cash.

In the above three cases, if the minimum repayment amount is not paid in full after the final repayment date, a late fee of 5%/ month will be levied on the difference of the minimum repayment amount. (Withdrawal is a late fee charged in full. )