u know, the 利息 give everyday,
Example, if the 利息 pay at 12:05am, then next time is tomorrow 12:05am, if you do any change between that time, you will lost the timing and need to calculate again.
If you want to make some change for your account, example, save money etc....if the 利息 paying time is 12:05am, then u should do after 12:06, but you have to make sure they pay the 利息 for you already first.