1. If the cardholder repays the non-cash transaction in full within the interest-free repayment period, it is not necessary to pay the interest on the non-cash transaction. Otherwise, it shall pay the cyclic interest on all overdrafts from the bookkeeping date to the repayment date, and collect the cyclic interest at the daily interest rate of 0.5 ‰, and pay compound interest monthly. 2. Cardholders who use CITIC Bank's credit card to withdraw cash must pay the handling fee and do not enjoy the interest-free repayment period. From the bank bookkeeping date to the repayment date, interest will be charged at the daily rate of 0.5 ‰, and compound interest will be charged on a monthly basis.