First of all, the calculation method of interest and late payment fee: If the minimum repayment amount of the bill is not returned in time before the due repayment date, late payment fee and interest will be charged, and your personal credit will be affected. The overdue fine is 5% of the unpaid minimum amount, and the minimum amount is RMB 10 yuan or USD 1 yuan. Interest means that all consumption in the current period is charged from the bookkeeping date (usually the day after consumption), and the daily interest rate is five ten thousandths until it is fully paid off.

Secondly, taking 40,000 yuan as an example, you need to know your consumption date, bill date, repayment date, consumption type and other information to calculate. If all expenses are paid by credit card, the late fee will be 200 yuan, and the daily interest will be 20 yuan.

Finally, please pay back as soon as possible to avoid inconvenience to work and life. Please call customer service for the specific amount.