First, the credit card has a three-day grace period after the repayment date, and repayment within the grace period is regarded as timely repayment;

1. If it is paid off in full, no cost will be incurred;

2. If the repayment amount is less than the minimum repayment amount stipulated by the bank, it will be regarded as overdue, and interest will be charged at 0.05% from the date of consumption, and a late fee will be added;

3. If the repayment amount is greater than or equal to the minimum repayment amount and less than the full repayment amount, the interest will be calculated at 0.05% from the consumption date;

2. Repayment beyond the grace period is deemed overdue: from the date of consumption, interest will be calculated at 0.05%, and there will be a late fee;

Third, the late payment fee:

1. If the overdraft principal does not exceed RMB 20 or USD 3, a late fee will be charged according to the outstanding overdraft principal;

2. If the overdraft principal exceeds 20 yuan or 3 dollars, a late fee of 5% of the unpaid part of the minimum repayment amount will be charged, with a minimum of 20 yuan or 3 dollars.