if you can't repay in full after consumption or cash withdrawal, you can repay according to the minimum repayment amount. However, the Bank of China charges interest of .5% of the daily interest rate and a certain late payment fee, which is calculated on a monthly basis. After a long time, the late payment fee is a great sum.

specific formula: 5/1 * overdraft amount *56 days (as the consumption days are different, the maximum days shall be counted first). In other words, if you owe 1, yuan, you will get interest on 28 yuan money after the last repayment date.

If you really haven't paid the minimum repayment amount before the final repayment date, be careful, you are not far from the "blacklist" of banks. According to the current regulations, personal bad credit records will be kept for five years, during which all credit cards and loan approvals will be affected by bad records.