Second, the interest on overdue repayment includes two parts:

One part is the interest payable when the credit card is overdue, and the other part is the late payment fee generated during this period.

Overdue interest payable on credit card: interest amount * interest days * daily interest rate;

The calculation formula of late payment fee is the unpaid part of the minimum repayment amount *0.05.

Third, the impact of overdue credit cards:

China Agricultural Bank will report the customer's card usage to the basic database of financial credit information completely and objectively according to the Regulations on the Administration of Credit Information Industry.

Four. If the user deposits through our bank, the credit card repayment will arrive in real time. In addition, users need to be prompted. If the user repays by non-bank means, the recording time may be delayed. Please reserve a certain recording period before repayment to avoid overdue.