So, suppose your credit card is overdrawn by 5000, depending on whether it is overdraft consumption or overdraft cash withdrawal. If it is consumption, the minimum repayment amount is only 500; If it is cash withdrawal, the cash withdrawal amount and cash withdrawal fee need to be fully included in the current minimum repayment amount; In addition, it depends on whether banks charge annual fees and other fees according to credit card regulations.
If the cardholder pays off the "minimum repayment amount" listed in the current bill, the remaining unpaid part belongs to the normal credit balance, but the consumer money does not enjoy the interest-free period; If the cardholder's actual repayment amount in the current period is less than the minimum repayment amount, the Agricultural Bank will charge a 5% late fee for the unpaid part of the minimum repayment amount. If the minimum repayment amount in a billing cycle is lower than 5 yuan RMB (or USD 65,438+0), it will be calculated in 5 yuan RMB (or USD 65,438+0).