1. The overdue fine in the administrative penalty shall not exceed the principal of the administrative penalty;
2. The overdue fine refers to the overdue fine for the unpaid part of the minimum repayment amount when the actual repayment amount of the loan is lower than the minimum repayment amount on the loan repayment date;
3. The proportion of overdue fine shall be uniformly stipulated by the People's Bank of China, which is 5% of the unpaid part of the minimum repayment amount.
However, due to different bank policies, the minimum amount set is not the same.
Legal basis: Article 22 of the Measures for the Administration of Bank Card Business, the issuing bank shall charge the credit card holder a late fee of 5% of the unpaid minimum repayment amount. It can be seen that the calculation basis of credit card late payment fee is the minimum repayment amount. The minimum repayment amount refers to the minimum amount that the cardholder should repay as stipulated by the issuing bank, including a certain proportion of the accumulated principal of consumer transactions and the principal of cash withdrawal transactions, all expenses, interest, the amount owed beyond the credit limit, and the sum of the unpaid part of the minimum repayment amount last month.