Bank of Communications credit card late payment fee calculation Bank of Communications credit card users, on the due date of credit card repayment, the actual repayment amount is lower than the minimum repayment amount stipulated by the bank, and the unpaid part of the minimum repayment amount will be subject to a late payment fee. The proportion of overdue fine shall be uniformly stipulated by the People's Bank of China, which is 5% of the unpaid part of the minimum repayment amount. The minimum charge for RMB account is RMB 65,438+00, and the minimum charge for USD account is USD 65,438+0 (except for the specified card type). For example, the cardholder Xiao Liu spent 15000 yuan on his credit card, and his current minimum repayment amount is 1500 yuan. If Xiao Liu only repays 500 yuan to the bank on the due repayment date, the bank will charge a late fee for the part below the minimum repayment amount, that is, 1500 yuan -500 yuan = 1000 yuan, and the amount of late fee is 65,438 yuan.