Penal interest will be charged for overdue credit cards of China Construction Bank. Generally speaking, after a Construction Bank credit card is overdue, the overdue penalty interest will be calculated based on the daily interest rate of 0.05% starting from the date of accounting. It will be charged on a daily basis and compound interest will be calculated on a monthly basis until the cardholder pays off the debt. Until payment is made.

For example: if the cardholder’s current bill amount is 5,000 yuan and he fails to repay on time on the repayment date, the daily penalty interest will be 5,000 yuan × 0.05% = 2.5 yuan.