Late payment of credit cards will result in late fees. The calculation of late payment fee is based on the specific way agreed in the credit card contract, usually based on two factors: overdue days and overdue amount. The following is a detailed explanation:

1. Days overdue: Generally speaking, the more days a credit card is overdue, the higher the late payment fee. Usually, banks will divide the overdue days into different intervals and set the corresponding late payment fee rate for each interval.

2. Overdue amount: The overdue amount refers to the total amount that the credit card fails to repay in time. The bank will calculate the late payment fee according to a certain proportion (usually the daily interest rate) according to the size of the overdue amount. Some banks may also set different rate stalls according to different overdue amounts.

3. Calculation method of late payment fee: Banks usually adopt a progressive calculation method based on overdue days and overdue amount. That is, according to the different intervals of overdue days and overdue amount, the corresponding late payment fees are calculated respectively, and then the final late payment fees are obtained by adding all the expenses.

Summary: Overdue repayment of credit cards will lead to late payment fees, and the specific calculation method is determined according to the overdue days and overdue amount. The bank will calculate the late payment fee according to the rate and gear agreed in the credit card contract, and generally adopt a progressive calculation method.

Extended data:

Different banks may have different calculation methods for credit card late fees, so in specific cases, you should consult the credit card contract of the relevant bank or consult the bank staff to obtain accurate calculation information for late fees.