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Do you still calculate interest after reporting the loss of your credit card?
If you overdraw by credit card, you can enjoy different interest-free periods. During the interest-free period, no matter whether your credit card is reported lost, interest will not be calculated.

When the consumption exceeds the interest-free period and you haven't paid off all the debts, the interest will be calculated from the second day of the consumption day (some banks calculate it from the consumption day or a few days), and the interest calculation will continue until you pay off all the debts, regardless of whether your credit card is reported lost.