If you want to repay the credit card 13000, 1000 can't reach the minimum repayment amount, you need to pay late fees and interest.

A: Late payment fee: (13000- 1000 Yuan has been repaid) ×5%=600 yuan;

B: Overdraft interest: 13000×0.05%× the actual number of days from the consumption entry date to the debt settlement date.

The sum of the above two parts will be reflected in the next bill.

According to the credit card regulations of commercial banks, as long as the repayment amount is lower than the minimum repayment amount, the cardholder needs to pay a late fee of 5% for the unpaid part of the minimum repayment amount.