This situation means the interest generated by the cardholder's overdraft consumption within the credit limit granted by the credit card issuer.

When a user uses up the credit limit on his credit card but continues to consume, the bank will charge interest on the amount that continues to be consumed. Under normal circumstances, interest is calculated at a daily interest rate of 0.05% within 15 days from the bank accounting date (including the current day). If it exceeds 15 days, a daily interest rate of 10% The daily interest rate is calculated at 15/10,000.