1. Credit card installment repayment needs to meet certain application conditions. After the cardholder bank successfully approves the installment, the cardholder only needs to pay a certain installment fee (the specific rate is related to the length of the installment, which can be Choose to pay in 3 installments, 6 installments, 8 installments, 12 installments, 18 installments, 24 installments, etc.). Each installment will be repaid in full without interest (the interest generated will be calculated separately for the cash withdrawal amount, and the daily interest rate will be 0.05%. Interest is compounded monthly).
2. There is also a kind of installment repayment (actually, you cannot apply for installment in the current period, but the cardholder plans to repay the debt in several months). In this way, you need to pay attention to the amount of each payment to ensure that it is repaid. Enough of the minimum repayment amount (usually 10% of the total repayment amount for the current period, you need to consult the cardholder bank for details, based on 10%, 30,000 yuan (the repayment amount will vary according to the actual current bill), the minimum repayment amount is 3,000 yuan) Otherwise, it will be overdue, affecting personal credit, and a 5% late fee will be charged on the unpaid portion of the minimum repayment amount.
3. After selecting the minimum repayment, all consumption amounts will accrue interest at a daily interest rate of 0.5% from the accounting date, and the interest will be calculated on a monthly compound interest basis, 30000 × 0.5‰ × 30 = 450 yuan ( With subsequent monthly repayments, the total amount owed will continue to decrease, and the interest will also decrease accordingly). Later, when you have more money, you can directly call the customer service on the back of the credit card to verify how much you need to repay, and then you can pay off the entire debt without causing any more With extra interest, just pay the money back.
4. Please call the customer service on the back of the credit card to verify the specific situation.