China bank credit card lasts for two years, 24 months and 72 days, and the interest can be quite good, as well as late payment fees and compound interest. Interest and late fees can be calculated, but compound interest is difficult to calculate. The overdue fine is 5% of the unpaid part of the minimum repayment, and the minimum monthly 1 yuan. 2,8 yuan monthly minimum repayment for 28 yuan and 14 yuan, and 336 yuan overdue fine for 24 months. The interest rate is .5‰ per day, each month: 2,8 yuan X.5‰X3=42 yuan, and 1,8 yuan for 24 months. Every month, the compound interest is calculated from 56 yuan (14+42=56), the second month is .84 yuan, and the third month is .85 yuan at 56.84. And so on ... At least 2 yuan's interest is averaged every month, and 24 months is 48 yuan. Total overpayment: 18+336+48≈1392 yuan.