the more days overdue, the higher the interest will be. According to the credit card terms of Guangfa Bank, the overdue part will be charged with penalty interest at the daily interest rate of five ten thousandths. Take an overdraft of 1, yuan as an example. If it is overdue for one day, the interest will be 1, yuan × .5 = 5 yuan. Therefore, the borrower is advised to repay the loan as soon as possible, so as to avoid unnecessary interest expenses and benefit personal credit rating.