If the cardholder fails to repay the minimum repayment amount before the due repayment date, he shall pay the liquidated damages for overdue repayment at the rate of 5% of the unpaid part of the minimum repayment amount, with a minimum of 1 RMB /65438+ USD /65438+ EUR /65438+ AUD /65438+ GBP /65438+ JPY.

Malicious overdraft should be investigated for criminal responsibility. However, if all the overdraft interest has been repaid after the public security organ files the case but before the announcement of the judgment of the people's court, the punishment may be given a lighter punishment, and if the circumstances are minor, the punishment may be exempted. If the amount of malicious overdraft is large, and all overdraft interest has been repaid before the public security organ files a case, and the circumstances are obviously minor, criminal responsibility may not be investigated according to law.