for example, if you withdraw 2 yuan, it will generate 2*.5%=1 yuan cash withdrawal fee, and 2*.5%=1 yuan/day interest.
the interest is from the date when the cash withdrawal is recorded to the date when you pay back the cash withdrawal.
after the bill is settled, you should pay part of it first. If you don't pay a penny for two months, if you don't pay the minimum bill, it will be regarded as overdue payment, and you will be charged a late fee, which will affect your personal credit history.