Legal analysis: After the credit card is overdue, the bank will calculate interest on a daily basis, with an interest rate of 0.05. This interest is calculated from the time the consumption is recorded. In addition, the bank will charge a certain late payment fee after the credit card is overdue. The fee is 5% of the unpaid portion of the minimum repayment amount, and the minimum repayment amount is 10% of the amount due for the current period.

Legal basis: "Several Provisions of the Supreme People's Court on the Publication of List Information of Dishonest Persons Subject to Execution" Article 1 If the person subject to execution fails to perform the obligations specified in the effective legal document and has one of the following circumstances, the people's court shall The court should include them in the list of dishonest persons subject to execution and impose credit penalties on them in accordance with the law:

1. Those who have the ability to perform but refuse to perform the obligations specified in effective legal documents;

2. Obstructing or resisting execution by forging evidence, violence, threats, etc.;

3. Avoiding execution by false litigation, false arbitration, or by concealing or transferring property;

4. Violating the property reporting system;

5. Violating the consumption restriction order;

6. Refusing to perform the settlement agreement without justifiable reasons.