Credit card overdraft itself is a basic function of credit, and overdue refers to the last repayment date and minimum repayment amount specified on the credit card bill. As long as the repayment is made before the final repayment date, it has no effect on personal credit information.

In addition, the interest is generally calculated at five ten thousandths of a day, depending on the use and repayment:

Credit card withdrawal:

1.

Credit card overdraft withdrawal:

A handling fee: it depends on the regulations of each bank. For example, CCB credit cards charge 0.5% of the cash withdrawal amount, ranging from the lowest 2 yuan to the highest 100 yuan. The credit card of China Merchants Bank is charged at 1% of the cash withdrawal amount, with a minimum of 10 yuan per transaction;

B interest: calculated at the daily interest rate of five ten thousandths.

2. Cash withdrawal from credit card overpayment: Some banks need to charge fees, while others don't. For example, the handling fee of China Merchants Bank is 0.5% of the withdrawal amount, and the minimum fee is 5 yuan RMB or US$ 65,438 +0.

Second, the credit card in the POS card consumption:

1. Repay in full and on time without interest;

2. Pay the minimum repayment amount on time, with a daily interest rate of 0.5 ‰;

3. Overdue repayment, in addition to the above interest, there are also late fees.