Credit cards are divided into debit cards and quasi-credit cards. You didn't say whether your credit card is a debit card or a quasi-credit card, but the initial time limit for overdraft withdrawal is different. The credit card overdraft withdrawal period is paid off in the current month, and the daily interest rate is 0.5 ‰, that is, the monthly interest rate is 15‰. If it is overdue, it will be fined 5% of the original interest, and the 500 yuan will be capped. The overdraft withdrawal period of quasi-credit card is 60 days, and penalty interest will be imposed if it fails.

And you didn't explain the specific time of overdraft withdrawal at the beginning, which is really difficult to calculate. Now take credit card overdraft withdrawal 1000 yuan as an example.

Suppose you overdraw 1000 yuan by credit card. From September 1 -30, overdraft interest = principal× time× interest rate =1000× 29× 5/10000 =14.5 yuan, and the total principal and interest is 65438.

The interest is up to June 365438+1October 31=14.5 × 31× 5/10000 =15.72 yuan.

As of165438+1October 30th, the subtotal cost = 1 152.09 yuan.

Up to 65438+February 3 1, subtotal cost = 1228.45 yuan.

Up to 65438+1October 3 1, subtotal cost = 1309.86 yuan (20 10 year).

As of 28th, 2nd, subtotal cost = 145438+04438+0 yuan.

As of March 3 1, subtotal cost = 1508.37 yuan.

As of April 30th, the subtotal cost = 1608.34 yuan.

As of 5th, 3 1 day, subtotal cost = 17 14.93 yuan.

As of June 30th, the subtotal cost = 1827.68 yuan.

As of July 3 1, subtotal cost = 15638+0 yuan.

As of August 3 1, subtotal cost = 1979.02 yuan.