Credit card holders of Industrial Bank can enjoy interest-free treatment when they repay all the due amount from the bank bookkeeping date to the due repayment date (inclusive), which is called interest-free repayment period; The due repayment date of Industrial Bank's credit card is generally the 20th day after the bill date, and the interest-free repayment period is from the bank entry date to the due repayment date. The longest interest-free period is 50 days and the shortest is 20 days. The interest-free period is different on different credit card consumption days, and the longest interest-free period can be enjoyed on the next day of the bill.

If the cardholder fails to repay in full (only the minimum repayment amount and above) before the due repayment date, Industrial Bank will charge a certain amount of cyclic interest on the total consumption amount in the current period, but it will not affect the personal credit record; The revolving credit interest rate of Industrial Bank's credit card is uniformly stipulated by the People's Bank of China, with a daily interest rate of 0.5 ‰ and monthly compound interest.

If the cardholder fails to repay before the due repayment date or the repayment amount is lower than the minimum repayment amount, Industrial Bank will charge a certain amount of circulating interest and late payment fee for all the consumption amount in the current period, and leave a stain on the personal credit record; The late payment fee of Industrial Bank's credit card is calculated according to 5% of the unpaid part of the minimum repayment amount, with a minimum of RMB 20 or USD 3.