Generally speaking, credit card overdraft interest is calculated at the rate of five ten thousandths of daily interest within 15 days from the date of signing the contract or the date of posting in the bank account (inclusive), ten thousandths of daily interest after 15 days, and 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.

That is, the credit limit in the credit card is used up, but it is still being spent. This is called overdraft. The daily interest rate of credit card consumption is 0.05%, with the shortest interest-free period of 25 days and the longest interest-free period of 56 days; There is no interest-free period for withdrawal, and interest will start to accrue from the date of withdrawal, with a daily interest rate of 0.05% and a handling fee.

ICBC's credit card interest rules are as follows:

1. Credit card: If the consumer fails to repay in full and on time, ICBC will charge overdraft interest at a daily rate of 0.5 ‰ for the unpaid part (excluding liquidated damages, annual fees, cash withdrawal fees, currency exchange fees, etc.) from the bank bookkeeping date to the repayment date (for cards with special interest rules, overdraft interest will be charged for overdraft transactions including "repaid part" from the bookkeeping date to the repayment date), and overdraft interest will be charged monthly. In case of overdraft withdrawal or transfer, the overdraft withdrawal and transfer shall not enjoy the interest-free repayment period, and the overdraft interest shall be paid at the rate of 0.5 ‰ of the used amount every day from the bank bookkeeping date to the repayment date.

2. Quasi-credit card: there is no interest-free repayment period for the transaction, and the overdraft period is 60 days from the bank bookkeeping date, and the overdraft will be charged at the interest rate of five ten thousandths per day from the overdraft bookkeeping date.