Legal analysis: the issuing bank charges the credit card holders a late payment fee and an overrun fee of 5% of the outstanding minimum repayment amount and the overrun credit line. Therefore, there is only a charge ratio, and there is no cap.

Legal basis: Article 22 of the Measures for the Administration of Bank Card Business, the issuing bank charges 5% of the overdue fine and 5% of the excess credit for the outstanding minimum repayment amount of credit card holders.