If the minimum payment is not enough, it is overdue.

For overdue payments, not only will there be a late payment penalty of 5% of the minimum unpaid portion (minimum 10 yuan), but also a penalty interest on the full amount of the bill (a daily interest rate of 0.5%, the interest will be calculated starting from the day of consumption, and the interest will be accrued monthly until Until the principal and interest are paid off), a bad credit record will be generated in the Credit Information Center of the People's Bank of China