Credit cards have a certain interest-free period, and cardholders do not need to bear interest charges when they use overdrafts during the interest-free period. If you can't repay in full after the expiration, you will no longer enjoy the interest-free period. Moreover, interest will be calculated. From the date when the consumption is recorded, interest of 0.05% (0.05%) will be charged every day, and compound interest will be calculated monthly.