Legal analysis: the late payment fee for credit card refers to the late payment fee for the unpaid part of the minimum repayment amount when the actual repayment amount of credit card is lower than the minimum repayment amount on the due repayment date. The proportion of overdue fine shall be uniformly stipulated by the People's Bank of China, which is 5% of the unpaid part of the minimum repayment amount.

Legal basis: Article 22 of the Measures for the Administration of Bank Card Business, the issuing bank charges 5% of the overdue fine and 5% of the excess credit for the outstanding minimum repayment amount of credit card holders.