First of all, the credit card late fee means that when the actual repayment amount on the due repayment date of the credit card is lower than the minimum repayment amount, the cardholder has to pay the late fee for the unpaid part of the minimum repayment amount. It is understood that the proportion of late payment fees is uniformly stipulated by the People's Bank of China as 5% of the unpaid part of the minimum repayment amount, but the minimum amount set is different due to different banking policies.

The credit impact is certain. As long as there is an overdue repayment, it will leave a record in the central credit reserve, but this record can be repaired, as long as you repay the loan on schedule in the next two years. Paying back on schedule and keeping a good record of consumption and repayment will continuously increase your credit.

Extended data:

According to the Notice on Issuing the Measures for the Administration of Credit Card Business:

Article 18 The longest overdraft period of a credit card is 60 days.

Article 19 Credit card overdraft interest shall be charged at the rate of five ten thousandths of daily interest within 15 days from the date of signing the contract or the date of bank entry, and at the rate of five ten thousandths of daily interest after 15 days, and at the rate of fifteen thousandths of daily interest after 30 days or when the overdraft amount exceeds the prescribed limit. The overdraft interest is not divided into sections, and the interest is calculated according to the highest interest rate grade or the highest overdraft amount.

Article 20 The overdraft business of each card-issuing bank shall be managed according to its credit scale. Overdraft is transferred to short-term loan accounting.

Article 21 Malicious overdraft refers to the overdraft behavior of the cardholder for the purpose of illegal possession, which exceeds the prescribed limit or time limit and is invalid after being collected by the issuing bank.

Twenty-second special units shall not refuse to accept valid credit cards legally held by cardholders and issued by contracted banks for any reason, and shall not charge cardholders extra fees for using credit cards.

Twenty-third special units shall not pay cash to cardholders by pressing cards, signing bills, returning goods, etc.

Baidu Encyclopedia-Notice on Printing and Distributing the Measures for the Administration of Credit Card Business