First, 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 paid off in full, there will be no cost;

2。 If the repayment amount is lower than the minimum repayment amount stipulated by the bank, it will be regarded as overdue and the interest will be calculated according to. 5%, in addition to 5% of the unpaid part of the minimum repayment amount, a late fee will be charged;

3。 If the repayment amount is greater than or equal to the minimum repayment amount and less than the full repayment amount, you need to press. 5% pays interest;

2. Repayment beyond the grace period is deemed overdue: the interest is 0. 5%, plus a late fee.