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 it is paid off in full, no cost will be incurred;

2. The minimum repayment amount shall be calculated at 0.05% of the daily interest;

2. If the repayment exceeds the grace period or the repayment amount is lower than the minimum repayment amount stipulated by the bank, it will be deemed as overdue, and the daily interest will be 0.05%, and the interest will be calculated from the entry date. In addition, a late fee of 5% of the unpaid minimum repayment amount will be charged on a monthly basis.