The money refunded to the credit card will be used as an overpayment on the credit card. At this time, you need to pay attention to whether the refunded consumption occurs before the bill date or after the bill date. For purchases made before the bill date, the refund will be offset against part of the repayment on the repayment date of the month; for purchases after the bill date, the refund will be offset against the bill generated on the bill date, and this consumption needs to be returned after the next bill date.

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1. Over-limit fee refers to the additional overdraft amount granted by the bank after the cardholder reaches the total credit card overdraft amount, which is generally 10% of the original overdraft amount. The advantage of this is that the cardholder does not have to apply for a temporary increase in the limit or the card cannot be swiped; the disadvantage is that the cardholder has to pay an over-limit fee of 5% of the amount exceeding the overdraft limit.

2. In order to avoid being charged over-limit fees by the bank, some cardholders turn to the bank to apply for a temporary increase in the overdraft limit. The increase is usually 10%-20%, and the period is usually 1 month. After the specified time, the credit card is restored to its original limit. Therefore, cardholders must clearly note the period of the temporary limit to avoid overdue credit card repayments. In addition, you should also pay attention to the over-limit issue of temporarily increasing the limit: if you use an over-limit overdraft in the second half of a month, it is likely that the over-limit amount will incur over-limit fees. For example, A's credit card overdraft limit is 50,000 yuan. On December 20, he applied to the bank to increase the temporary limit by 30,000 yuan, but he did not use the 30,000 yuan until January 15. By January 20, A's credit card overdraft limit was automatically reduced to 50,000 yuan. In fact, A had an overdraft of 80,000 yuan in January. The 30,000 yuan in between will generate a 5% over-limit fee. Therefore, before the credit card overdraft limit is automatically reduced to the original limit of 50,000 yuan, the cardholder should first repay the 30,000 yuan and control the unpaid amount within the overdraft limit of 50,000 yuan, so as to avoid overpayment. Limited fee.

3. Bank financial planners also remind that in view of the large number of card purchases during the Spring Festival, cardholders should pay special attention to the final repayment date of their credit cards, which is the last day of the interest-free repayment period. Prior to this, repayments are interest-free. If overdue, all consumption payments will no longer enjoy the interest-free repayment treatment. The bank will calculate interest on a daily basis based on the consumption amount as the principal from the day the consumption occurs. The daily interest rate is 0.05%. Compound interest will be calculated monthly, and late payment fees will also be charged.

4. Credit card late payment fees refer to the situation where the cardholder’s actual repayment amount is lower than the minimum repayment amount on the due date of the credit card, and the cardholder must pay late payment fees for the unpaid portion of the minimum repayment amount. Generally, It is 5% of the unpaid portion of the minimum repayment amount, but due to different policies of various banks, the minimum amount set is also different. Therefore, cardholders who have large overdrafts during the Spring Festival holiday must remember the final repayment date after receiving the bill, and strive to pay off all previous consumption before the due repayment date. If you really haven’t paid it yet, apply for installment repayment as early as possible or adopt the minimum repayment method to avoid being penalized by the bank.

5. People without financial income, such as students, should not apply for a credit card easily. Even if they do not use a credit card, they still have to bear annual fees and other items. People who hold credit cards should give up using their credit cards and go through the card refund procedures in a timely manner. Otherwise, various credit card fees and subsequent interest, late payment fees, etc. will lead to personal economic losses and reduced credit, which will affect mortgages, car loans, etc.