Take CCB's credit card as an example. The penalty is calculated at 5% of the unpaid minimum amount. The minimum amount of RMB account is 5 yuan, and the minimum amount of foreign currency account is USD 65,438+0/Euro, which is charged monthly. If there is an agreement, it shall be priced according to the agreement. The specific calculation formula is: liquidated damages = (minimum repayment amount-repayment amount on due repayment date) × 5%.