The overdraft interest rate of the Agricultural Bank of China credit card is 0.5% daily interest rate, and the approximate annualized interest rate is 18.25%. The overdraft interest is compounded on a monthly basis and deducted from the cardholder's account. If the cardholder If a person fails to repay in full before the due repayment date, interest will be accrued on all transaction amounts from the date the consumption is recorded to the date of settlement. No interest will be calculated during the interest-free period. The specific interest calculation method may vary depending on the card holder. The actual annualized interest rate may be different from the above-mentioned annualized interest rate. For example, if the repayment amount of the cardholder on the due payment date is less than the entire repayment due amount, then the unpaid portion will accrue interest from the date the consumption is recorded until it is fully paid off.