Legal Analysis: Calculate. If a cardholder has an overdue payment when using a credit card, the card issuer has the right to charge a certain amount of liquidated damages, so liquidated damages are generally caused by overdue repayment.

Legal basis: "General Principles of Loans" Article 32 Loan repayment: The borrower shall repay the principal and interest of the loan in full and on time in accordance with the loan contract. The lender shall send a notice of principal and interest repayment to the borrower one week before the expiration of a short-term loan and one month before the expiration of a medium- and long-term loan; the borrower shall prepare funds in a timely manner and repay the principal and interest on schedule. Lenders must promptly issue collection notices for overdue loans and do a good job in collecting the principal and interest of overdue loans. If the loan cannot be repaid within the time limit stipulated in the loan contract, the lender shall impose penalties and interest in accordance with regulations; if the loan cannot be repaid or cannot implement the repayment of principal and interest, it shall urge the repayment or prosecute in accordance with the law. The borrower must negotiate with the lender to repay the loan early.