1. Credit card late payment fee. The so-called credit card late payment fee refers to the fee that the cardholder should pay to the issuing bank according to the regulations when the repayment date (inclusive) is overdue or the repayment amount is lower than the minimum repayment amount. At present, most banks, such as China Merchants Bank, China Construction Bank, ICBC, Shenzhen Development Bank, etc., have a standard for late payment fees, which is 5% of the unpaid part of the minimum repayment amount. The minimum late payment fee for the dragon card of China Construction Bank is 5 yuan RMB, and the minimum late payment fee for the dual-currency credit card of China Merchants Bank is 10 yuan RMB or 1 USD.

2. Overdue interest. After a user overdraws with a credit card, there will generally be an interest-free repayment period ranging from more than 20 days to more than 50 days, that is, as long as the cardholder fails to pay off all the overdraft fees within the prescribed time limit, all the expenses of the cardholder last month will no longer enjoy the interest-free treatment of the bank, and the daily interest rate is as high as five ten thousandths, that is, the annual interest rate reaches 18%. Of course, many banks have begun to humanize the full penalty interest rule for credit cards: when credit card customers repay the overdraft consumption in the previous period, due to calculation errors and other reasons, if there is a fraction of RMB 10 yuan (inclusive) or USD 1 yuan (inclusive), the bank will consider it as paid off and will not charge the corresponding liquidated damages and five ten thousandths of daily interest.