if the credit card is overdue, the interest will be calculated at the daily interest rate of .5%, and the interest for the arrears of 5,5 for half a month will be 5,5 * .5% * 15 = 41.25 yuan.

1. Credit cards must be repaid on schedule. If the credit card is overdue, it will generate interest, and the interest will be calculated in full according to the arrears, with a daily interest rate of five ten thousandths.

2. If the credit card can't pay the full amount, installment repayment or minimum repayment can be adopted. The minimum repayment amount is generally 1% of the arrears, and the personal credit of the cardholder with the minimum repayment can be unaffected.

3. The overdue credit card will result in a bad personal credit record.