The late payment fee of CITIC Credit Card means that when the actual repayment amount of the credit card is lower than the minimum repayment amount on the due repayment date, the cardholder needs to pay the late payment fee for the unpaid part of the minimum repayment amount. At the same time, the proportion of late payment fees is uniformly stipulated by the People's Bank of China, which is 5% of the unpaid part of the minimum repayment amount.

The late payment fee of CITIC Credit Card is 5% of the unpaid minimum repayment amount. The starting point of credit card late payment fee of CITIC Bank is the highest among 18 banks and the lowest in 30 yuan. This means that the minimum repayment amount for credit card holders is 800 yuan. If only 700 yuan is repaid, even if 5 yuan is calculated at the rate of 5% for the unpaid part of 100 yuan, the part less than 30 yuan will be charged in 30 yuan.

The calculation formula of late payment fee for CITIC Credit Card: late payment fee = (minimum repayment amount-paid amount on due repayment date) ×5%.

The spending of CITIC Credit Card is 654.38+00000 yuan, and the minimum repayment amount is 654.38+0000 yuan. If repayment is not made before the due repayment date, the late fee charged by CITIC Credit Card is 654.38 yuan +0000 * 5% = 50 yuan.