Each credit card repayment cannot be less than the minimum repayment amount stipulated by the bank (most banks are 10% interest and other fees, and some are 5% interest and other fees), and it must not be less than the minimum payment amount. The repayment amount is deemed to be overdue. \x0d\ How to charge credit card late payment fees and interest: \x0d\ 1. Credit cards generally have a grace period of three days after the repayment date, and repayment within the grace period is deemed to be repayment on time; \x0d\ 1. If you pay it off in full, no fees will be incurred; \x0d\ 2. If the minimum repayment amount is paid, the daily interest will be calculated at 0.05; \x0d\ 2. If the repayment exceeds the grace period or the repayment amount is less than the bank's regulations The minimum repayment amount is considered overdue, and the daily interest is 0.05. The interest is calculated from the accounting date. In addition, a late payment fee of 5% of the unpaid portion of the minimum repayment amount is charged on a monthly basis.