The overdue interest of CITIC Bank's credit card is related to the number of overdue days. The overdue interest is calculated in days, and the daily interest rate is calculated at 0.05%. In addition, after the credit card is overdue, the bank will charge a certain late payment fee, which is 5% of the unpaid part of the minimum repayment amount, and the minimum repayment amount is 10% of the current bill payable.

Overdue interest is calculated according to the number of days overdue, and interest is charged for the number of days overdue.

Overdue repayment of credit cards will not only generate a lot of expenses, but also have a negative impact on personal credit records. The importance of personal credit record is self-evident. If the credit card is overdue, it should also be repaid in time, and at the same time explain the situation to the bank, strive for relief and protect personal credit records.