The bank gives you time to repay in installments or the minimum repayment amount is equivalent to the loan conditions, so you need to repay as agreed. It is not good for you to negotiate with the bank whether to accept the relative requirements before, instead of feeling uneconomical after choosing.
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Hello, if it is a credit card of our bank, as long as you repay according to the minimum amount of the bill before the due repayment date, there will be no late payment fee and your personal credit will not be affected. Please rest assured. However, it will generate cyclic interest. All consumption in the current period starts to bear interest from the bookkeeping date (usually the day after consumption), and the daily interest rate is five ten thousandths until you pay it off in full.
Examples of revolving interest: If your bookkeeping date is the 5th of each month, the due repayment date is the 23rd of each month; The current bill printed by the bank for you on April 5, including all your trading accounts from March 5 to April 5; Suppose you have only one consumption in the current bill, the consumption amount is RMB 1 000, and the time required by the merchant is March 30th; The "payable amount in this period" printed on your current bill is 1 1,000 yuan, and the "minimum repayment amount" is 1 1,000 yuan; Under different circumstances, your circulating interest is as follows: ① If you pay off ￥ 65,438+0,000 before April 23rd, the circulating interest in the statement on May 5th will be zero; ② If only the minimum repayment amount is 65,438+000 yuan on April 23rd, the cyclic interest on the statement on May 5th is 65,438+07.85 yuan, and the specific calculation is as follows: 65,438+0,000× 0.05 %× 24 days (from March 30th to April 22nd)+(654,300).
The minimum repayment amount of a credit card cannot enjoy interest-free treatment, and the interest is charged at five ten thousandths per day. Some banks pay the minimum repayment amount, and the interest is only the overdraft interest from the bank bookkeeping date to the repayment date, such as ICBC; Most banks have the lowest repayment amount, and the interest is "full interest on part of the arrears", such as CITIC Bank. "Full interest" means that even if the customer repays the part, the interest is calculated in full without deducting the repayment part, and the interest expense is usually calculated at five ten thousandths of the daily interest rate. Generally, credit cards are not fully repaid or overdrawn, and banks have to calculate interest. The rate is five ten thousandths, counting from the transaction entry date until repayment.