Credit card overdraft interest means that the credit limit in the credit card is used up, but it is still being consumed. Generally speaking, credit card overdraft interest is calculated at the rate of five ten thousandths of daily interest within 15 days from the date of signing the contract or the date of posting in the bank account (inclusive), ten thousandths of daily interest after 15 days, and fifteen thousandths of daily interest after 30 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 or the highest overdraft amount.

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One: overdraft cash withdrawal is a small cash loan provided by the bank to help you flexibly allocate funds when you are in urgent need. Generally speaking, you take a credit card from the bank and withdraw cash through the bank counter or ATM, which is a form of borrowing. If you spend money in a shopping mall, take a credit card directly. This is called overdraft consumption (interest-free period).

1. The overdraft withdrawal amount is set according to your card usage. Different banks have different withdrawal standards, with the minimum not exceeding 30% of the credit line and the maximum being 100% of the credit line.

2. In addition to the cash withdrawal fee (the cash withdrawal fee varies from bank to bank), domestic and foreign overdrafts must also pay interest and do not enjoy interest-free treatment. Overdraft can be repaid as you borrow, with daily interest, with a daily interest rate of five ten thousandths; No overdraft, no interest, no interest for repayment on the day of overdraft, and interest for how many days of overdraft.

3. If the cardholder makes overdue repayment, interest will be calculated at 0.5 ‰ per day from the day after consumption, and the overdue account will be compounded. Therefore, the longer the overdue time, the higher the daily interest will be.

Two: malicious overdraft requires criminal responsibility. Article 196 of the Criminal Law stipulates that malicious overdraft refers to the behavior that the cardholder overdraws beyond the prescribed limit or time limit for the purpose of illegal possession and refuses to return it after being urged by the issuing bank. Malicious overdraft, credit card fraud, the amount is relatively large, shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and a fine of not less than 20,000 yuan but not more than 200,000 yuan; If the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than five years but not more than ten years, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan; If the amount is especially huge or there are other especially serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 10 years or life imprisonment, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan or confiscated property.