1. The bank credit card banking center will charge a late payment fee and interest:

1. The late payment fee is calculated at 5% of the unpaid part of the minimum repayment amount, and the minimum payment is 1 yuan or US$ 1.

2. At the same time, the bank will charge five ten thousandths of the daily interest on the whole bill.

2. Impact on credit:

1. Overdue within one month is counted as overdue once. As long as it is overdue, it is more difficult to increase the credit limit;

2. If it is overdue for 3 consecutive times or accumulated for 6 times, there will be a bad credit record, and it will be difficult to get a loan and apply for a credit card in the future;

3. If the overdue period exceeds a certain amount and time, the bank will freeze the credit card.

this answer is provided by the rich flower, and I hope it will help you. Like Alibaba's borrowing and Tencent's micro-loans, Money Flower is a credit service brand of Xiaoman Finance (formerly Baidu Finance), which belongs to a big company and brand, and is formal and safe, with low interest rate and very reliable. Relying on the advantages of Baidu technology and scene, we have the money to use artificial intelligence and big data risk control technology, and have accumulated more than 4 billion yuan in loans, providing convenient, fast and secure Internet credit services for countless users.