I. Calculation of repayment amount
It also depends on the consumption composition of this 3,000 yuan, which can be calculated by referring to the following formula: minimum repayment amount = 10% cash advance principal+10% non-cash advance transaction principal+100% expense+100% interest+100. As long as the payment is made according to the minimum amount of the bill before the due repayment date, there will be no late payment fee and personal credit will not be affected. Don't worry about this. However, it will generate cyclic interest, and all consumption in the current period will start to bear interest from the bookkeeping date (usually the day after consumption), with a daily interest rate of five ten thousandths until it is fully paid off.
Second, overdue interest and penalty interest.
If you have a 3,000-yuan credit card, you should pay back 3 100, and consider whether there is any interest that was not paid back last month to be added to this month's bill. After repayment, you can usually find the bill. You can check the bill on your mobile phone to see what expenses have been deducted. In general, it is due to overdue liquidated damages and fines. It may be that the amount is relatively small, so I didn't receive a reminder from the collection phone. However, liquidated damages and penalty interest will be incurred without reminding, and these expenses can be incurred as long as the repayment is not made within the specified time.
After using a credit card, you must repay the loan according to the specified time and requirements to avoid the occurrence of additional expenses. However, if you can guarantee that you have repaid the loan as required, you can call the bank's customer service to inquire about the specific situation.