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 early stage, due to calculation errors and other reasons, RMB 10 (inclusive) or USD 1 (inclusive) appears in the US dollar account, and the bank will consider it as paid off, and will not charge the corresponding liquidated damages and five ten thousandths of daily interest.
3. Litigation costs. If the user overdraws for 2 months and fails to repay, the bank will call to remind the user to repay. If the repayment is not made, the bank will ask the lawyer to send a lawyer's letter to the user. If the user still refuses to repay after overdraft 180 days, the bank will bring a lawsuit to the court, and the losing party will bear the litigation costs of the case. Generally, the bank wins the case and requires the user to repay, so this part of the cost will be borne by the user.
That's all you have to pay. I hope you won't be overdue in the future. The money borrowed from the bank is really not in vain.