the daily interest rate is five ten thousandths.

According to the notice on printing and distributing the Measures for the Administration of Credit Card Business:

Article 19 Credit card overdraft interest shall be calculated at the rate of five ten thousandths of daily interest within 15 days from the date of signing or the date of bank account entry, and at the rate of ten thousandths of daily interest after 15 days, and at the rate of fifteen thousandths of daily interest after 3 days or when the overdraft amount exceeds the prescribed limit. The overdraft interest is not divided into sections, and the interest is calculated according to the highest interest rate grade of the deadline or the highest overdraft amount.

Article 13 The interest on the credit card imprest deposit shall be calculated according to the deposit interest rate and interest-bearing method stipulated by the People's Bank of China.

if a time deposit is pledged, the time deposit shall be calculated according to the time deposit interest rate and interest calculation method stipulated by the People's Bank of China.

Extended information:

According to the notice on printing and distributing the Measures for the Administration of Credit Card Business:

Article 24 Commercial banks shall charge credit card transaction fees from special units according to the following standards:

(1) RMB credit cards shall not be less than 2% of the transaction amount;

(2) Credit cards issued by overseas institutions and used in China shall not be less than 4% of the transaction amount.

domestic banks sign credit card agency acquiring agreements with overseas institutions, and the profit distribution ratio is implemented according to the fact that domestic banks and overseas institutions account for 37.5% and 62.5% of the handling fees paid by special units respectively.

Article 55 In any of the following circumstances, the People's Bank of China shall order it to make corrections, confiscate its illegal income and impose a fine of 5, to 1, yuan; If the circumstances are serious or overdue, it may be ordered to suspend business for rectification.

(1) failing to implement the technical standards stipulated in these measures;

(2) lowering the handling fee standard at will;

(3) Failing to implement the overdraft interest rate and interest-bearing measures stipulated in these Measures.

Article 56 If the card-issuing bank violates the provisions of these Measures and fails to submit the credit card articles of association, filing materials and business statements to the People's Bank of China, the People's Bank of China shall order it to make corrections; Overdue reform, ranging from 1 thousand yuan to 1 thousand yuan fine.

Article 57 In case of any of the following circumstances, the card-issuing bank shall be punished according to the Law of the People's Republic of China on Commercial Banks and the relevant provisions on cash management:

(1) Failure to implement the prescribed deposit interest rate;

(2) failing to deposit the deposit reserve with the People's Bank of China as required;

(3) helping cardholders to withdraw cash in violation of regulations.

article 58 if the issuing bank fails to send the payment stop list to the special unit within the specified time, causing financial losses, the issuing bank shall bear the economic responsibility.

Baidu Encyclopedia-Notice on Printing and Distributing the Measures for the Administration of Credit Card Business