The penalty interest is 0.5% of the daily interest from the date of credit card transaction. See clearly that it is not the billing date or the repayment date, but from the trading day of your credit card, do it yourself.

The late payment fee is 5% of the unpaid part of the minimum repayment amount, and the minimum repayment amount is generally 10% of the overdraft limit.

Late payment fee: overdraft amount * 10%*5%.

It's just a simple arithmetic problem