First of all, your overdue repayment is unreasonable and you lose some motivation.

Secondly, the bank has regulations (whether the regulations are reasonable or not, since you have applied for a bank credit card, it means a breach of contract): the daily late payment fee is 535,000 yuan, one day's late payment fee is 17.5 yuan, and 30 days is 525 yuan. This is not counting the interest you have generated since you spent it. If cash is withdrawn, this number will increase. Of course, this is only a rough calculation.

So my suggestion is: try to negotiate with the bank and explain it to the bank. It's best to reduce some late fees. The bank is not monolithic. In order not to lose a big customer like you, they will also consider it comprehensively.