Count. If the cardholder fails to repay the credit card debt when using the credit card, the issuing bank has the right to charge a certain amount of liquidated damages, so the liquidated damages are caused by overdue repayment. Overdue refers to the situation that the final repayment period stipulated by the bank is exceeded and the money consumed is not deposited in the designated account in full and on time. Once overdue, it will generate overdue interest, including late payment fees and daily interest.