Interest will be calculated if the payment is overdue for more than 3 days after the final payment date.

Under normal circumstances, if a bank credit card is overdue for more than 3 days beyond the final repayment date, interest will start to be calculated. Interest is calculated from the first day of billing until the repayment date. Once the payment is overdue for more than 3 days, interest will begin to be calculated based on the monthly interest rate. The monthly interest rate is generally 1.5. For example, if you use a credit card to spend 10,000 yuan and it is one day overdue, the penalty interest incurred will be 5 yuan.