The repayment of Guangfa Credit Card on 3rd and 6th has passed the grace period of final repayment, and there will be overdue interest. Credit cards generally have a grace period of three days after the repayment date. The grace period of Guangfa Bank is only one day. Repayment within the grace period is regarded as timely repayment and full repayment, without any cost. If the minimum repayment amount is paid, the daily interest will be calculated at 0.05%. If the repayment exceeds the grace period or the repayment amount is lower than the minimum repayment amount stipulated by the bank, the daily interest will be calculated at 0.05%, and the interest will be calculated from the bookkeeping date. In addition, a late fee of 5% of the outstanding minimum repayment amount will be charged.