there are many credit cards that have no effect, which is equivalent to the balance in the account and can be deducted from the next bill. However, if the repayment is not made on time, there will be late fees and interest. \xd\ 1. The overdue fine for credit card is 5% of the minimum repayment amount. Charge by the month. \xd\ II. Calculation formula of overdue interest of credit card: overdue interest of credit card = last month's consumption * overdue days *.5\xd\ There are three figures in the above calculation formula of overdue interest of credit card, namely overdue amount, overdue days and daily interest rate. The meanings of these three numbers are introduced below. \xd\1. Last month's consumption \xd\ One point that needs special attention is that the calculation limit of overdue credit card is not the amount owed, but the consumption amount of last month. That is, if you spent 1, yuan last month, even if you have already repaid 9999 yuan, then if you owe 1 yuan, you will calculate the overdue interest of your credit card as if you owe 1, yuan. \xd\ Therefore, try not to generate overdue credit cards, otherwise, if the consumption last month was large, the base of interest calculation would be too large. \xd\2. Overdue days \xd\ Because the overdue interest of credit cards is calculated on a daily basis, the overdue days of credit cards are also very important. The number of overdue days refers to the number of days from the billing date to the current billing date. \xd\3. Daily interest rate \xd\ The daily interest rate of overdue interest on credit cards is uniform, which is .5.