If the credit card repayment is overdue for 4 days, even if it is overdue, interest will be charged at a daily rate of 0.5 ‰, and a 5% late fee will be added to the unpaid part of the minimum repayment amount. \r\n 1。 There is generally a three-day grace period after credit card repayment, and repayment within the grace period is regarded as timely repayment; \r\n 1。 If it is paid off in full, no cost will be incurred; \r\n2。 The minimum repayment amount shall be calculated at 0.05% of the daily interest; \r\n 2。 If the repayment exceeds the grace period or the repayment amount is lower than the minimum repayment amount stipulated by the bank, it will be regarded as overdue. If the overdue repayment affects the personal credit record, interest will be charged at the daily interest rate of 0.05% from the bookkeeping date. In addition, a monthly fine of 5% of the minimum repayment amount will be charged.