Currently, banks such as China Construction Bank, China Merchants Bank, and Minsheng Bank allow repayment tolerances, and implement a policy where outstanding debts of less than 10 yuan or 1 US dollar are deemed to have been paid off. The specific policy is: after a credit card holder swipes the card for consumption, if there is still a fraction of 10 yuan or less than 1 US dollar that he forgets to repay, the bank will treat it as a scheduled payment and will no longer accrue interest in full, and the debt will be rolled into the next payment period. One bill.

Industrial Bank has also implemented tolerance repayment. Mr. Guo from the Credit Card Center of Industrial Bank said that if the fraction less than 1 yuan is not repaid, it will automatically be rolled into the next bill, and the full amount will not be calculated. interest.

“Tolerant repayment methods should be promoted more widely. It is common for cardholders to forget to pay back the odd amount.” said an industry insider. In addition, Mr. Chen from Bank of China Fujian Branch believes that the fraction of the repayment tolerance can be more than 10 yuan.