I overdrawn 1000 yuan on the credit card of China Bank. What's the minimum repayment next month? What's the late fee if it's a penny overdue? Do you charge every day?

1. If this is your first consumption, the minimum repayment amount in the first month is 10% of your consumption.

2. The minimum repayment amount in the second month is the total consumption (1000) minus the repayment amount in the first month plus the full interest (1000) plus other expenses (I once asked the customer service what other expenses are, but I just said that this is the bank's regulation).

3. The minimum repayment in the third month is the total consumption (1000) minus the repayment in the first month minus the repayment in the second month plus the full interest (4,500) plus other expenses, and so on.

Failure to pay back at maturity will affect personal credit. I can follow you for 5 to 7 years, and it will be troublesome to apply for a card loan in the future. I advise you never to do this. If you really can't do it, you should pay the minimum repayment amount, a little more than 100 per month.

The overdue fine is calculated at 5% of the unpaid part of the minimum repayment amount and accumulated monthly.

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