The interest on overdue credit cards is calculated based on the following factors:

1. Number of overdue days: The number of overdue days refers to the period from the bill repayment deadline to the actual repayment date. number of days between. When calculating overdue interest, each bank will determine the interest calculation method based on the number of days overdue.

2. Interest rate: Overdue interest rates on credit cards are generally higher, usually higher than normal consumer interest rates. The overdue interest rates set by different banks are also different. The specific overdue interest rates can be determined through the relevant terms or agreements of the credit card.

3. Overdraft amount: Overdue interest is generally calculated based on the overdraft amount. Overdue interest is usually calculated based on the product of the overdue days and the overdue amount.

To sum up, the calculation of interest after a credit card is overdue needs to consider the number of days overdue, interest rate and overdraft amount. The longer the overdue period, the higher the interest; the higher the interest rate, the higher the overdue interest; the greater the overdraft amount, the overdue interest will increase accordingly.

Extended information:

The interest calculation for overdue credit cards is generally calculated on a daily basis. Specific interest calculation formulas, overdue interest rates, overdue fees and other information can be learned through each bank's credit card agreement or related terms.

If you repay overdue, it is recommended to contact the bank as soon as possible and make repayment arrangements to avoid the continued accumulation of overdue interest. Severe late payments may have a negative impact on your credit history and may incur additional late fees. Therefore, timely repayment is one of the important steps to maintain a good credit record.

When dealing with overdue credit card issues, it is recommended that users understand the relevant regulations of their credit cards and choose an appropriate method for repayment based on the actual situation. If you have any questions about interest calculation or overdue fees, you can contact the bank’s customer service or inquire relevant information for more information.

The above is the general situation of interest calculation after credit card overdue. Please determine the actual interest calculation method according to the specific situation and relevant agreements.