1. 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 expenses will be incurred;

2. If the repayment amount is less than the minimum repayment specified by the bank, it will be deemed overdue, with interest of .5%, and a late fee of 5% of the unpaid part of the minimum repayment amount will be charged;

3. If the repayment amount is greater than or equal to the minimum repayment, and less than the full repayment, interest shall be paid at .5%;

2. If the repayment is beyond the grace period, it will be deemed overdue: the interest will be .5%, and there will be a late payment fee.