The settlement date and repayment date of our credit card monthly bills are fixed, as long as they are repaid on time. If it is overdue, it will generate late fees and interest, and it will affect personal credit. The customer's credit information will be recorded in the personal credit database and become a part of the credit record. The overdue fine is 5% of the unpaid minimum amount, and the minimum amount is RMB 10 yuan or USD 1 yuan. Interest refers to the collection of all consumption in the current period from the bookkeeping date (usually the day after consumption), with a daily interest rate of five ten thousandths until you pay it off in full.