if the credit card is overdue, the bank will also charge a certain percentage of late payment fee, with the minimum amount ranging from 1 yuan to 3 yuan. The proportion of overdue fine is the same, which is uniformly stipulated by the People's Bank of China, and 5% of the unpaid part of the minimum repayment amount is charged, with compound interest at the same time.

interest: if the cardholder fails to repay the loan in time, there will be no interest-free period, and interest of five ten thousandths will be charged directly from the date of consumption. According to the consumption of 1, yuan on April 23rd, as of June 16th, 27 yuan interest (1, * .5 * 54 = 27, 54 is the number of days between April 23rd and June 16th) needs to be paid.

late payment fee: the repayment amount is 1, yuan, and the minimum repayment amount is 1 yuan. The late payment fee is 1, * .1 * .5 = 5 according to 5% of the unpaid part of the minimum repayment amount, and the late payment fee should be paid to 5 yuan.

overdue repayment of credit cards will not only generate a lot of expenses, but also have a negative impact on personal credit records. The importance of personal credit record is self-evident. I love card Xiaobian to remind card friends that we must remember the repayment date of credit card and repay it in time to avoid overdue. If the credit card is overdue, it is also necessary to repay the arrears in time, and at the same time explain the situation to the bank, strive for relief, and protect the personal credit record.