The Agricultural Bank of China has an overdraft of 9,800 yuan. On the repayment day on the 21st, 8,800 yuan was received on the same day. Because the inter-bank transfer did not receive the 1,000 yuan until 9:00 on the 22nd, it would be overdue.

This is expected, and the penalty interest is calculated based on the total overdraft, which is 9,800.

It is recommended to call the Agricultural Bank of China Credit Card Center immediately to explain the situation and try to prevent them from affecting your personal credit

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