I. Bank Credit Card Banking Center will charge late fees and interest:

1. The late payment fee is calculated as 5% of the unpaid part of the minimum repayment amount, and the minimum repayment amount is RMB 10 yuan or USD 1 yuan.

2. At the same time, the bank will charge five ten thousandths of daily interest for the whole bill.

Second, the impact of credit:

1. If it is overdue within one month, it will be deemed as overdue once. As long as it is overdue, it is more difficult to increase the quota;

2. If it is overdue for 3 consecutive times or accumulated for 6 times, there will be a bad credit record, and it will be difficult to borrow money and apply for a credit card in the future;

3. After a certain amount and time, the bank will freeze the credit card.

This answer is provided by Fuguihua, I hope it will help you. Like Alibaba's borrowing and Tencent's micro-lending, Qianhua is a credit service brand of Xiaoman Finance (formerly Baidu Finance), belonging to a big company and brand, which is formal and safe, with low interest rate and very reliable. Relying on Baidu's technology and scene advantages, it has the money to use artificial intelligence and big data risk control technology, and the accumulated loan exceeds 400 billion yuan, providing convenient, fast and safe Internet credit services for countless users.