Abnormally, credit card overdue penalties are charged at 5% of the unpaid portion of the minimum repayment amount, generally starting from the second day of overdue payment. The longer the overdue period, the higher the penalty incurred. It is worth noting that this is just a rational calculation, and the specific calculation standards are still based on the calculation standards of the credit card issuing bank.

For overdue payment, not only will there be a late payment penalty of 5% for the minimum unpaid portion, but also penalty interest on the full amount of the bill (daily interest rate of 0.5%, interest will be calculated starting from the day of consumption, and interest will be charged monthly until the principal and interest are paid off). It will also produce a bad credit record in the Credit Reference Center of the People's Bank of China, which will affect your application for credit cards and bank loans within 2 years. If you are overdue for more than three months or fail to repay more than two bank reminders, the bank will freeze your card and list you as a prohibited customer (blacklist). At the same time, you may be prosecuted for credit card fraud and malicious overdrafts.

Explanation:

1. 10% of the consumption within the credit limit (some banks are 5): some banks are 10%, some banks are 5%, so when calculating Check the specific regulations of that bank!

2. 100 of the cash advance transaction amount. Some banks will withdraw cash or some bank APPs will directly deduct it to the savings card.

3. 100 consumption exceeding the credit limit is commonly known as over-limit. Fees include annual fees, late payment fees, courier fees, loss reporting fees, card production fees, production costs, cash withdrawal fees, excess payment recovery fees, etc.