First of all, according to the general situation, the liquidated damages of ABC's credit card may be a certain proportion of the overdraft amount, generally between 1%-5%. Assuming the penalty interest ratio is 2%, the penalty interest amount = overdraft amount × penalty interest ratio = 800 yuan × 2% = 16 yuan.
Secondly, overdue repayment will also generate interest charges. The overdue interest of Agricultural Bank credit card is generally calculated on a daily basis. Suppose the annual interest rate of overdue interest is 36%, and the interest expense overdue for one month = overdraft amount × annual interest rate of overdue interest × (days overdue /365) = 800 yuan × 36% × (30 days /365 days) ≈ 19.45 yuan.
To sum up, the total amount you need to repay in the month of default = overdraft+liquidated damages+interest = 800 yuan+16 yuan+19.45 yuan ≈ 835.45 yuan.
Supplementary information:
1. The above answer is based on the general situation. The specific amount of liquidated damages and interest may be different due to different bank policies, credit card types and personal credit status. Please contact ABC customer service or consult the credit card agreement in advance to obtain accurate information.
2. If you want to avoid liquidated damages and interest caused by overdue repayment, it is recommended to repay on time or set up automatic repayment function.
3. When using credit cards in the future, please plan your consumption and repayment reasonably to avoid unnecessary expenses and personal credit records.