Call the bank and ask how he charges. You should pay attention to the fact that you are no longer the interest of normal credit consumption, and overdue will generate a lot of expenses. The overdue interest starts from the day of credit consumption, and there is no interest-free period and penalty interest. This is no longer a normal loan, please consider these factors.

after you get the exact cost data of the bank, you can certainly report it if you think it is unreasonable.