The bank’s credit card interest calculation methods include consumption interest, cash withdrawal costs, etc.

1. Consumption interest: The consumption interest of CITIC Bank credit card is calculated on a daily basis, and the daily interest rate is 0.05%. If the user repays the bill in full before the final payment date, there will be no interest. If the balance is not repaid in full by the final repayment date, a daily interest rate of 0.05% will be charged starting from the day of consumption.

2. Cash withdrawal cost: If the user uses a CITIC Bank credit card to withdraw cash, the interest is calculated based on the daily interest rate of 0.5% from the time of withdrawal to the time of repayment.