1. Credit cards generally have a grace period of three days after the repayment date. Repayment within the grace period is deemed to be repayment on time.
1. If you pay it off in full, no fees will be incurred;
2. If you pay the minimum repayment amount, the daily interest will be calculated at 0.05;
3. If the repayment amount is less than the minimum repayment amount stipulated by the bank, it will be considered overdue, and the daily interest will be calculated at 0.05. In addition, there will be a late payment fee. The late payment fee for credit cards is generally 5% of the unpaid portion of the minimum repayment amount, calculated and collected on a monthly basis.
2. If the repayment exceeds the grace period, it will be considered overdue: the interest will be 0.05, and the interest will be calculated from the date of consumption, and there will also be a late fee.
Extended information:
According to the "Tax Collection and Administration Law of the People's Republic of China":
Article 31 Taxpayers, withholding obligations People pay or remit taxes in accordance with the provisions of laws and administrative regulations or the time limit determined by the tax authorities in accordance with the provisions of laws and administrative regulations.
If a taxpayer is unable to pay taxes on time due to special difficulties, with the approval of the state tax bureau or local tax bureau of the province, autonomous region, or municipality directly under the Central Government, the tax payment may be deferred, but the maximum period shall not exceed three months. .
Article 32 If the taxpayer fails to pay the tax within the prescribed time limit, and the withholding agent fails to pay the tax within the prescribed time limit, the tax authorities, in addition to ordering payment within a time limit, shall be exempted from the penalty for overdue tax payment. Starting from the date of payment, a late payment fee of 0.05% of the overdue tax will be charged on a daily basis.
Article 33 Taxpayers shall apply for tax reduction and exemption in accordance with the provisions of laws and administrative regulations.
Decisions on tax reduction and exemption made by local people's governments at all levels, competent departments of people's governments at all levels, units and individuals in violation of laws and administrative regulations and without authorization are invalid and shall not be implemented by the tax authorities and shall be reported to the superior tax authorities. Report.
Article 34 When tax authorities collect taxes, they must issue tax payment certificates to taxpayers. When a withholding agent withholds or collects taxes, if a taxpayer requires the withholding agent to issue a tax withholding or collection voucher, the withholding agent shall issue one.
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