if the credit card repayment amount is lower than the specified minimum repayment amount, it will be considered overdue.

late repayment of credit cards will result in bad credit records.

1. Credit cards generally have a grace period of three days after repayment, and repayment within the grace period is regarded as timely repayment;

1. If it is paid off in full, no expenses will be incurred;

2. If the minimum repayment amount is paid, the daily interest shall be calculated at .5%;

2. If the repayment exceeds the grace period or the repayment amount is less than the minimum repayment amount stipulated by the bank, it will be regarded as overdue, and the overdue repayment will affect the personal credit record, and the daily interest will be .5%, and the interest will be calculated from the bookkeeping date. In addition, a late fee of 5% of the unpaid minimum repayment amount will be charged on a monthly basis.