The repayment date is up. What should I do if I have insufficient funds? In order not to affect the overdue credit information, many friends will choose installment repayment or minimum repayment amount. Then, what is the minimum repayment amount of CCB's credit card?
1. What is the minimum repayment amount of CCB's credit card?
The minimum repayment amount means that if the cardholder has difficulty in repaying all the payables before the due repayment date, he can make repayment according to the minimum repayment amount stipulated by the issuing bank. The minimum repayment amount is 10% of the consumption amount and other payables, and the minimum repayment amount is reflected in the current bill together with the repayment amount. But if the minimum repayment amount is adopted, it means that you will no longer enjoy the interest-free repayment period.
The minimum repayment amount does not affect personal credit, but after the minimum repayment amount is paid, the interest of five ten thousandths of the full amount of the bill of the month will be charged from the due date, and the interest will be compounded monthly.
Second, the construction bank credit card minimum repayment formula
The calculation formula is:
The unpaid part of the minimum repayment amount in the previous period, accumulated unpaid expenses and interest in installment amount, accumulated unpaid cash withdrawal amount 10%, transaction amount exceeding the credit line (including expenses and interest) 10%, wrongly handled consumption principal 10%, wrongly handled cash withdrawal principal 10% = minimum repayment amount.
If the calculated minimum repayment amount is lower than RMB 200 yuan (or foreign exchange equivalent to US$ 50) and the total repayment amount is greater than or equal to RMB 200 yuan (or foreign exchange equivalent to US$ 50), the minimum repayment amount shall be charged according to RMB 200 yuan (or foreign exchange equivalent to US$ 50); If the total amount payable is less than RMB 200 yuan (or foreign exchange equivalent to US$ 50), the minimum amount payable is equal to the total amount payable.
Note: The minimum repayment amount of CCB's credit card is calculated from the consumption date, not from the final repayment date, which should be paid special attention to.
What does the minimum repayment amount of CCB credit card mean?
The minimum repayment amount 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 minimum repayment amount of CCB's credit card = 10% of the outstanding consumption amount within the credit line, 100% of the cash advance transaction amount, 100% of the outstanding portion of the previous minimum repayment amount exceeding 100% of the credit line expenses and interest.
At present, in the above formula, some banks use the minimum repayment rate of 10% to advance cash.
Pay the "minimum repayment amount" before the due repayment date, and calculate the interest accordingly. But it will not affect personal credit.
Cash advance does not enjoy the minimum repayment amount.
What does the minimum repayment amount of CCB credit card mean?
The minimum repayment amount is in exchange for high interest without affecting the credit, which is generally 10% of the full amount.
Calculation method of minimum repayment amount of credit card of China Construction Bank;
The minimum repayment amount of the credit card of China Construction Bank = the consumption amount within the credit line × 10%, the cash withdrawal amount of the credit card × 10%, the unpaid part of the previous minimum repayment amount × 100%, the transaction amount exceeding the credit line × 100%, all expenses and interest.
In general, the minimum repayment amount is 65438+ 00% of the credit card amount this month.
But as can be seen from this formula, if you still withdraw cash this month, you should also add 10% of the withdrawal amount, as well as the interest and expenses to be borne by the withdrawal amount.
And the full amount of the minimum repayment amount on the previous billing date, and the full amount of the transaction amount exceeding the limit.
If the repayment amount before the due repayment date is greater than or equal to the minimum repayment amount and less than the current repayment amount, only interest needs to be paid; If it is lower than the minimum repayment amount, in addition to interest, it will also pay a late fee, which will affect the credit record.
How to repay the credit card:
Open the mobile phone "WeChat" first.
Second, click to enter the "WeChat" homepage.
Third, click "I" and then click "wallet" to go to the next page.
4. Click "Credit Card Repayment" to go to the next page.
5. Click "I want to repay" to go to the next page.
6. Enter a name to bind, and then click OK.