1. Credit cards should be repaid within the repayment date as far as possible.
The interest-free period of credit cards is generally more than 20 to 50 days. After swiping the card, the cardholder only needs to repay before the due repayment date. In this way, the bank will not only suffer interest in vain, but also leave a good credit record, so that cardholders can accumulate credit points, increase their overdraft limit within a certain period of time, or help cardholders reduce the examination and approval procedures when handling mortgage and car loans.
2. Several common repayment methods
There are many ways to repay credit cards, such as automatic repayment by the issuing bank, inter-bank transfer, third-party payment (Alipay, Tenpay, WeChat repayment) and Lacarra repayment.
3. The temporarily increased quota must be repaid in time.
Users who have applied to increase the temporary credit card limit should pay special attention to timely repayment. If they delay, they will be fined a high penalty interest. In addition, the temporarily adjusted amount cannot be repaid in installments. If the money is not fully paid off on the repayment date, the bank will charge a certain percentage of the overrun fee, and most banks will charge 5% of the overrun amount.
It is best to go to the bank counter for overseas repayment.
It is best to go to the bank counter for overseas repayment. You can ask the staff to help you calculate the amount of arrears, because you need to convert foreign currency into RMB at the current exchange rate, and this exchange link will generate an extra fee-currency conversion fee. If you do it yourself, you may be in arrears because of missing fees. At present, the currency conversion fee charged by most banks is 65438+ 0.5% of the consumption amount.
5. If the credit card debt is not repaid, you can repay the minimum repayment amount or take the initiative to negotiate with the bank.
In case of special circumstances, the cardholder can choose the minimum repayment amount, and the bank will neither charge late fees nor affect personal credit. Generally speaking, the minimum repayment amount is 10% of the bill amount, but it should be noted that the borrower will be charged five ten thousandths of interest every day, so it is best to pay off all his bills as soon as possible.
If the cardholder can't even pay the minimum repayment amount, then don't choose to "run away", that is, change the address and mobile phone so that the bank can't contact. The best way is to contact the issuing bank immediately, explain your situation, say that you have no malice, and apply for deferred repayment. Banks usually design a mutually acceptable repayment method for cardholders.
1. Credit card, also known as debit card, is a credit certificate issued by a commercial bank or credit card company to eligible consumers. It is a card with name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back. Consumers with credit cards can go to specialized commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limits.
2. The credit card stipulated in the relevant laws of China (Interpretation of the Provisions of the NPC Standing Committee on Credit Cards) refers to an electronic payment card issued by commercial banks or other financial institutions with all or part of the functions of consumer payment, credit loan, transfer settlement and cash deposit and withdrawal. 20 17 12 1, the English translation and writing standard for public services was formally implemented, and the English names of credit cards were specified.
3. Credit card consumption is a non-cash transaction payment method. There is no need to pay cash when spending, and it will be repaid on the billing day.
4. Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to a credit card in which the cardholder has a certain credit limit and can spend first and then repay; Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund according to the regulations, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the prescribed credit limit. Credit cards generally refer to credit cards. From the date of 202 1 1 1, the credit card overdraft interest rate is determined by the card issuer and the cardholder through independent negotiation, and the upper and lower limit management of the credit card overdraft interest rate is cancelled (the original upper limit is 0.7 times of the daily interest rate, and the lower limit is 0.7 times of the daily interest rate). On May 25th, 2002/KLOC-0, the Supreme People's Court promulgated and implemented the Provisions of the Supreme People's Court on Several Issues Concerning the Trial of Civil Disputes over Bank Cards.