After the overdraft of USD by Guangfa Bank, it is converted into RMB to generate bills, which can be repaid according to the bills. Don't be overdue. There will be late fees and interest if it is overdue.

1. The late fee for overdue credit card is: 5% of the unpaid part of the minimum repayment amount.

2. Calculation formula of overdue interest of credit card: overdue interest of credit card = consumption last month * overdue days *0.0005.

There are three figures in the above formula for calculating overdue interest of credit cards, namely overdue amount, overdue days and daily interest rate. Here are the meanings of these three numbers.

1. Last month's consumption

It should be noted that the overdue amount of credit card is not the amount owed, but the amount spent last month. In other words, if you spent 10000 yuan last month, even if you have paid back 9999 yuan, the overdue interest of the credit card will be calculated according to the debt of 10000 yuan.

So try not to generate overdue credit cards, otherwise the interest base will be too large if you spend a lot last month.

2. Days overdue

Because the overdue interest of credit cards is calculated on a daily basis, the number of overdue days of credit cards is also very important. The number of overdue days refers to the number of days from the bookkeeping date to the current bookkeeping date.

3. Daily interest rate

The daily interest rate of overdue interest on credit cards is uniform, which is 0.0005 per day.