The repayment of each credit card shall not be lower than the minimum repayment amount stipulated by the bank (most banks charge10% plus various interests, and some charge 5% plus various interests). If the repayment amount is lower than the minimum repayment amount, it will be considered overdue. \x0d\ How to collect the late payment fee and interest of credit card: \x0d\ 1. There is generally a three-day grace period after credit card repayment, and repayment within the grace period will be regarded as timely repayment; \x0d\ 1。 If it is paid off in full, no cost will be incurred; \x0d\ 2。 The minimum repayment amount shall be calculated at 0.05% of the daily interest; \x0d\ 2。 If the repayment exceeds the grace period or the repayment amount is lower than the minimum repayment amount stipulated by the bank, it will be regarded as overdue. The daily interest is 0.05%, and the interest is calculated from the bookkeeping date. In addition, a late fee of 5% of the outstanding minimum repayment amount will be charged monthly.