At present, our bank provides a three-day grace period for repayment (no application is required), and repayment can be made within three days after the due repayment date. If the repayment is overdue, it will generate late payment fees and interest, and it will affect personal credit. The customer's credit information will be recorded in the personal credit database and become a part of the credit record. The overdue fine is 5% of the unpaid minimum amount, and the minimum fee is RMB 10 yuan or USD 1 yuan. Interest refers to the collection of all consumption in the current period from the bookkeeping date (usually the day after consumption), with a daily interest rate of five ten thousandths until you pay it off in full. In order to avoid affecting personal credit, it is recommended that you repay on time.