The interest rate is 5/10,000 per day.

According to the notice on the issuance of the "Credit Card Business Management Measures":

Article 19 Credit card overdraft interest shall be calculated as daily interest within 15 days from the date of signing or bank accounting date. If the overdraft exceeds the prescribed limit for 30 days or the overdraft amount exceeds the prescribed limit, the daily interest rate will be 15%. Overdraft interest is not calculated in stages, but is calculated based on the highest interest rate bracket for the final term or the maximum overdraft amount.

Article 13 The interest on credit card reserve deposits shall be calculated in accordance with the demand deposit interest rates and interest calculation methods prescribed by the People's Bank of China.

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

Extended information:

According to the notice on the issuance of the "Credit Card Business Management Measures":

Article 24 Each commercial bank shall submit to the special contract according to the following standards The unit charges credit card transaction fees:

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

(2) Credit cards issued by overseas institutions and used within China, No less than 4% of the transaction amount.

When a domestic bank signs a credit card agency acquisition agreement with an overseas institution, the profit distribution ratio shall be based on the domestic bank and the overseas institution accounting for 37.5% and 62.5% of the handling fees paid by the special unit respectively.

Article 55 If a card-issuing bank commits any of the following circumstances, the People's Bank of China will order it to make corrections, confiscate its illegal gains, and impose a fine of RMB 50,000 to RMB 100,000; if the circumstances are serious or the bank fails to make corrections within the time limit, , its business institutions may be ordered to close down for rectification.

(1) Failure to implement the technical standards stipulated in these Measures;

(2) Arbitrary reduction of handling fee standards;

(3) Failure to implement these Measures The overdraft interest rate and interest calculation method stipulated in the regulations.

Article 56 If a card-issuing bank violates the provisions of these Measures and fails to submit credit card articles of association, filing materials and business statements to the People's Bank of China, it shall be ordered to make corrections by the People's Bank of China; if it fails to make corrections within the time limit, it shall be punished Fines ranging from RMB 10,000 to RMB 100,000.

Article 57 If a card-issuing bank has any of the following circumstances, it will be punished accordingly in accordance with 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 rates;

(2) Failure to pay deposit reserves to the People’s Bank of China as required;

(3) Violating regulations to help maintain The cardholder withdraws cash.

Article 58: If the card-issuing bank fails to send the stop-payment list to the special unit within the prescribed time and causes financial losses, the card-issuing bank shall bear the financial responsibility.

Baidu Encyclopedia-Notice on Issuing the "Credit Card Business Management Measures"