Legal Subjectivity:

If you fail to repay on the due date or the repayment amount is not enough for the minimum repayment amount, late payment fees will begin to be calculated for the unpaid portion of the minimum repayment amount. , which is 5% of the unpaid portion of the minimum repayment amount. The credit card center charges a minimum of RMB 10 for RMB accounts and USD 1 for USD accounts. Assume that the bank statement date is March 7th, and the due payment date is March 25th. The repayment due that month is 1,000 yuan, and the minimum repayment amount is 100 yuan. If the payment is not made on the due payment date of March 25th, , but if you pay 200 yuan on the 28th (the minimum payment amount of the month is 100 yuan), then:? Revolving credit interest = 1000×0.0005×28+(1000-200)×0.0005×10=18.00? Late payment fee=100×0.05 ×3=15.00 Legal and objective:

Article 22 of the "Bank Card Business Management Measures" The card-issuing bank shall, if the credit card holder fails to repay the minimum repayment amount or uses the card beyond the credit limit, Late payment fees and over-limit fees shall be charged at 5% of the unpaid portion of the minimum repayment amount and the portion exceeding the credit limit respectively. Article 23 Compound interest will be charged on credit card overdrafts on a monthly basis, and simple interest will be charged on quasi-credit card overdrafts on a monthly basis. The overdraft interest rate is 0.05% of the daily interest rate, and shall be adjusted based on the interest rate adjustment of the People's Bank of China. Article 676 of the Civil Code: If the borrower fails to repay the loan within the agreed time limit, he shall pay overdue interest in accordance with the agreement or relevant national regulations.