It is about 42,000, the principal is 20,000, and the interest plus late payment fee is about 22,000. If the Agricultural Bank of China credit card fails to repay the minimum repayment of the bill in time before the due payment date, late payment fees and interest will be charged. The late payment fee is 5% of the unpaid minimum repayment amount, with a minimum charge of RMB10 yuan or USD1 yuan. Interest will be charged on all consumption in the current period starting from the accounting date (usually the next day after consumption), with a daily interest rate of 0.05%.