Suppose your consumption date of 12000 is x, and this month is calculated as 30 days, then the interest due is12000 * (25-x+1) * 0.0005+(12000-1200).

Extended data

Usually, overdraft interest will be charged if the credit card is cashed out or the repayment is not made according to the repayment period of the issuing bank. The specific calculation is to charge interest according to each consumption on the bill from the billing date (usually the second day of credit card consumption) until the day when partial repayment is received first; Then, continue to calculate the interest according to the remaining unpaid part until the next repayment.

Therefore, it is best for credit card holders to repay in full and on time, and try not to use the credit card withdrawal function. If the cash flow is difficult, you can consider paying by credit card installment.

References:

Bank of Communications