The calculation method is as follows:

1. Calculate the daily interest rate of the credit card, which is usually 50,000, or 0.05.

2. Calculate the daily interest, that is, multiply the credit card debt amount by the daily interest rate.

3. After paying off the minimum payment amount, if the credit card debt is not paid off in full before the statement date, interest will accrue every month starting from the statement date. The monthly interest calculation formula is: (credit card debt amount + last month’s interest) × monthly interest rate.

4. Until the credit card debt is paid off in full, new interest will accrue every month, and the interest will continue to accumulate, forming compound interest.