Credit card overdraft interest means that the credit limit in a credit card is used up, but it is still being spent. Generally speaking, credit card overdraft interest is calculated at the rate of five ten thousandths of daily interest within 15 days from the date of signing or the date of bank account entry (including that day), ten thousandths of daily interest for more than 15 days, and fifteen thousandths of daily interest for more than 3 days or the overdraft amount exceeds the prescribed limit. The overdraft interest is not divided into sections, and the interest is calculated according to the highest interest rate grade of the deadline or the highest overdraft amount.

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1: overdraft cash withdrawal is a small cash loan provided by the bank to help you flexibly allocate funds when you are in urgent need. Generally speaking, it is a form of borrowing when you take a credit card from the bank and withdraw cash through the bank counter or ATM machine. If you spend money in a shopping mall, it is called overdraft consumption (interest-free period) to take a credit card directly.

1. The amount of overdraft withdrawal is set according to your card usage, and the withdrawal standard of different banks is different. The lowest is not more than 3% of the credit limit, and 1% of the highest credit limit can be withdrawn.

2. In addition to the withdrawal fee (the withdrawal fee varies from bank to bank), domestic and overseas overdrafts have to pay interest and do not enjoy interest-free treatment. Overdraft can be repaid as you borrow, with daily interest, with a daily interest rate of five ten thousandths; No overdraft, no interest, no interest for repayment on the same day of overdraft, and interest for as many days as overdraft.

3. If the cardholder makes overdue repayment, interest will be calculated at the rate of .5 ‰ per day from the next day of consumption, and the overdue accounting will compound interest, so the longer the overdue time, the higher the daily interest will be.

two: the need for malicious overdraft bears criminal responsibility. Article 196 of the Criminal Law stipulates that malicious overdraft refers to the behavior that the cardholder overdraws beyond the prescribed limit or time limit for the purpose of illegal possession, and still refuses to return it after being urged by the issuing bank. Those who maliciously overdraw, engage in credit card fraud, if the amount is relatively large, shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall also be fined not less than 2, yuan but not more than 2, yuan; If the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than five years but not more than ten years, and shall also be fined not less than 5, yuan but not more than 5, yuan; If the amount is especially huge or there are other especially serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 1 years or life imprisonment, and shall also be fined not less than 5, yuan but not more than 5, yuan or confiscated property.