Legal analysis: if the credit card overdraft is not repaid, you should raise funds to repay it as soon as possible, or choose to repay it in installments to reduce the repayment pressure. Article 22 of the Measures for the Administration of Bank Card Business in People's Republic of China (PRC) (hereinafter referred to as the "Measures") means that the issuing bank charges the credit card holders a late fee of 5% of the minimum repayment amount.

Legal basis: Article 22 of the Measures for the Administration of Bank Card Business in People's Republic of China (PRC), that is, the issuing bank shall charge the credit card holder a late fee of 5% of the outstanding minimum repayment amount.