Credit cards have a fixed billing date every month, and 20 days after the billing date is the final repayment date. Before the final repayment date, consumers will be repaid in full according to the bill amount and enjoy the interest-free period. If you don't repay in full and on time, consumers won't enjoy the interest-free period, and the bank will charge interest in full at the rate of five ten thousandths per day from the date when your consumption is recorded. If the approximate interest of 5,000 yuan for three months is 5,000 * 0.0005 * 90 = 225, this is only an estimate, and there is compound interest, we can't work it out. It depends on the bank bill.

In addition, those who fail to pay the minimum repayment amount before the final repayment date of each month will be charged a late fee, which is = (the minimum repayment amount-the amount paid before the due repayment date) × 5%, and the minimum 5 yuan (1 USD/Euro) will be charged monthly. And the bank will report your overdue records to the People's Bank of China, so you'd better return the money to the bank quickly!