The installment interest of Agricultural Bank of China card depends on the installment amount. Among them, the bill installment, consumption installment, and merchant installment handling fees are about 0.6% of the installment principal, and are collected on an installment basis.

Cash installment is a one-time charge, and the handling fee = 0.7%*principal*number of installments. For example, if the credit card bill amount is 10,000 yuan and you apply for repayment in 3 installments, the interest rate will be 10,000*0.6%*3=180 yuan.

If your credit card is overdue, penalty interest will accrue, and interest will be calculated on the full amount, with a daily interest rate of 0.5%. For example, if your credit card is overdue for 5,000 yuan and the number of overdue days is 30 days, the penalty interest is 5,000 × 0.05% × 30 = 75 yuan.

In addition, in addition to interest, overdue penalties will also result in liquidated damages. Different banks have different charging standards for liquidated damages. Generally speaking, most banks’ credit card liquidated damages charging standards are basically set as 5% of the unpaid minimum payment amount.

We know that overdue is a kind of breach of trust. Once a credit card is overdue, the bank will report the overdue record to the central bank's personal credit report. The overdue record will be retained on the personal credit report for five years. During this period, when applying for a bank loan, you may encounter high interest rates, small loan amounts, or even the loan application is directly rejected by the bank.

Credit reports are currently mainly used for various consumer credit businesses of banks. As the social credit system continues to improve, credit reports will be more widely used in various commercial credit sales, credit transactions, recruitment and job hunting. In addition, personal credit reports also provide the inquirer with a way to review and standardize his or her credit history behavior, and form a verification mechanism for personal credit information.

In addition, for those whose overdue circumstances are particularly serious, their travel will also be affected. They will not be able to fly, high-speed rail, stay in hotels, or use mobile phones to make overdraft purchases. Their children will not be able to attend key schools, and it will be difficult to move forward without trust.

Credit card debts are protected by law. If a cardholder maliciously overdrafts and fails to repay overdue payments, he is suspected of credit card fraud and will be punished by law and face jail time. Penalties are determined based on the circumstances of the overdue amount. The more serious the circumstances, the heavier the penalty. Those with particularly large overdue amounts may even be sentenced to life imprisonment.

Banks are the ones who suffer the most from overdue cardholders. In order to reduce losses, banks will generally reduce the credit card limit of cardholders, or even directly block the card. Once your credit card limit is reduced or blocked, it will be difficult to increase or unblock it. When using a credit card, you must repay on time. Overdue behavior is not advisable. You must not take risks, let alone take chances, otherwise the consequences will be serious.