Overdue credit cards will generate late fees, that is, the minimum repayment amount will not be fully paid before the due repayment date. This fee is calculated on the basis of 5% of the outstanding part of the minimum repayment amount, with the lowest 5 yuan.

Assuming that the minimum repayment amount of your bill is 200 yuan, there will be a late fee on your bill next month, with the amount =200*5%= 10 yuan.

At the same time, I would like to remind you that banks will generally report customers' credit card repayments to the People's Bank of China truthfully, and overdue loans will be recorded in personal credit reports, which will have a certain impact on future loans, such as mortgage loans and car loans. Therefore, if the capital turnover is not open, I suggest that you try your best to return the minimum repayment amount of the card before the due repayment date, so that the bank will not count you as overdue.