Legal subjectivity:

First, calculation of interest: 1. If there is an agreement, the agreement shall prevail, but it shall not exceed four times the one-year loan market quoted interest rate when the contract is established. . 2. If there is no agreement or the agreement is unclear, there will be no overdue interest. Second, the calculation of liquidated damages: 1. If there is an agreement, the agreement shall prevail, but it shall not exceed 30% of the actual loss caused by the breach of contract. 2. If there is no agreement, the actual losses caused by the breach of contract shall prevail. Article 577 of the Civil Code: If a party fails to perform its contractual obligations or performs its contractual obligations inconsistently with the agreement, it shall bear liability for breach of contract such as continuing to perform, taking remedial measures, or compensating for losses. The law is objective:

Article 22 of the "Bank Card Business Management Measures" The card-issuing bank shall treat the credit card holder's failure to repay the minimum repayment amount and the use of the card in excess of the credit limit according to the minimum repayment amount. Late payment fees and over-limit fees will be charged for 5% of the unpaid portion of the repayment and the portion exceeding the credit limit. Article 23 Compound interest will be charged on credit card overdrafts on a monthly basis, and simple interest will be charged on quasi-credit card overdrafts on a monthly basis. The overdraft interest rate is 0.05% of the daily interest rate, and shall be adjusted based on the interest rate adjustment of the People's Bank of China. Article 676 of the Civil Code: If the borrower fails to repay the loan within the agreed time limit, he shall pay overdue interest in accordance with the agreement or relevant national regulations.