The minimum repayment amount of a credit card means that if the cardholder has difficulty in repaying all the payables before the due repayment date (inclusive), he can repay according to the minimum repayment amount stipulated by the issuing bank, but he cannot enjoy the interest-free repayment period. The minimum repayment amount is 65438+ 00% of the consumption amount plus other payables. The minimum repayment amount is listed on the current bill.

The charge standard for the minimum repayment interest of credit cards is:

1. From the bookkeeping date of each transaction, interest shall be calculated at the daily rate of 0.5 ‰ until each debt is paid off.

2. The cardholder applies for repayment according to the minimum repayment amount, and only pays interest in the second phase, and only pays 65,438+00% of the total bill in the first phase.

3. The amount that the cardholder needs to pay when applying for the minimum repayment amount is: (current consumption amount+unpaid amount of last month+interest and expenses of this month) 10%+ current overdraft full withdrawal.