If the cardholder fails to pay the minimum payment on the bill in time before the payment due date, it will be considered overdue and will be recorded on the credit report.

Late payment fees and interest will be charged for overdue payments, and will affect personal credit. The late payment fee is 5% of the unpaid portion of the 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 recording date (usually the next day after consumption), with a daily interest rate of 0.05% until the cardholder pays off all the payments. In order to avoid affecting personal credit, it is recommended that cardholders repay their bills on time. If it is not convenient to pay off the bill in full, they should pay off at least the minimum repayment amount on time.