Detailed description:

1. Monthly calculation: the late payment fee of China Bank's credit card is calculated according to the overdue days of the unpaid monthly payment. If the unpaid days are less than 30 days, it shall be calculated at the daily interest rate; If the overdue days exceed 30 days, it shall be calculated at a fixed monthly interest rate.

2. Calculation of interest rate: The interest rate for overdue repayment of credit cards in China Bank is the percentage of monthly repayment. The specific interest rate depends on the bank's policy. You can consult the bank or inquire about the relevant information in the credit card contract.

3. Calculation of fine amount: The calculation formula of late payment fee for credit card of China Bank is: late payment fee amount = unpaid principal × overdue interest rate. The overdue interest rate is determined according to the bank policy, which can be daily interest rate, monthly interest rate or other interest rates.

4. Special circumstances: If the credit card account is frozen or the debt has exceeded the credit limit, the bank can calculate the late payment fee in other ways. For details, please consult the customer service of China Bank or refer to the relevant clauses in the credit card contract.

Summary:

The late payment fee of China Bank's credit card is calculated on a monthly basis, according to the overdue days and interest rate. The overdue days are calculated at the daily interest rate within 30 days, and at the fixed monthly interest rate for more than 30 days. The calculation formula of late payment fee is the unpaid principal multiplied by the overdue interest rate.

Extended data:

Overdue repayment will lead to late payment fees for credit cards and have a negative impact on personal credit records. Therefore, ensuring timely repayment is an important part of maintaining good credit. In the face of failure to repay on time, you can negotiate with the bank to postpone repayment or other repayment methods to avoid late fees and damage to credit records.

Please note that the above answer is based on the general situation, and the specific calculation method and interest rate may be different due to bank policies and contractual agreements. For details, please consult the relevant clauses in the bank or credit card contract in China according to the actual situation.