The interest calculation method of credit card is daily interest calculation, and the daily interest is five ten thousandths, starting from the accounting date (consumption date). The interest of one day 1000 yuan is 0.5 yuan. If the repayment is not due or the minimum repayment amount is not enough, it will be recorded in the bad credit record and a late fee will be charged. The standard for late payment is 5% of the minimum repayment amount.
Credit information will be received in more than 90 days. If there are bad records in the credit report, it will affect the credit business, increase the loan cost or refuse the loan business, which will bring a lot of trouble to the later life and work.