1. Your birthday is on the 8th, then your bill date is the 8th of each month (Guangfa Bank). The repayment date depends on which card you belong to. Some cards provide interest-free repayment. Some days are from 26 to 56, and some are from 20 to 50. Generally speaking, it should be 20 days after the bill date, which is the 28th of this month.

2. That is to say, your consumption before the 8th of this month will not be paid in full before the 28th of this month, and there will be no interest for your consumption after the 8th of this month before the 28th of the next month. There will be no interest on the full amount.

There is an interest-free period for card purchases, but there is no interest-free period for cash withdrawals with credit cards. Cash withdrawals require interest and handling fees. Guangdong Development Bank has one advantage. If you withdraw your own deposits, there are no procedures. fees and interest.

3. Installment payment can be applied by calling after you have finished your consumption. There are conditions, and the single payment is more than 500. The minimum repayment amount has nothing to do with installments. It is for people who have difficulty with cash flow. There will be interest on the minimum repayment, but at least it can ensure you have a good record of using the card.

4. Yes, interest and handling fees will be charged even if they are not paid off, because they are also included in your debt. I can pay back 100, but I still need about ten yuan. Just pay it back, buddy, it’s not worth paying that interest.

I hope you can understand my explanation.