Harbin Bank's credit card business has attracted many cardholders. Recently, many cardholders who hold Harbin Bank credit cards have asked about the interest rate of Harbin Bank's credit cards. Here, Xiao Cai and Da Guy specifically talk about how Harbin Bank charges interest on overdue credit card repayments.

The following is the relevant content on how Harbin Bank charges interest for overdue credit card repayments.

Due to the difference in the time it takes to swipe the card, the minimum interest-free period for the same holder's credit card is 20 days, and the maximum is 50 days. Suppose your Harbin Bank credit card bill date is the 3rd of each month, and the final repayment date is the 22nd. If you spend 3,000 yuan on the 2nd and the bill is issued on the 3rd, then the expense must be finally repaid on the 22nd. If you repay before the end of the payment date, you will have the shortest interest-free period. If you spend 3,000 yuan on the day after the bill date, the bill will not be issued until the 3rd of the next month, and the 22nd of the next month. You can repay the loan, so you can have the longest interest-free period of 50 days.

However, if your credit card repayment exceeds the above period, interest will accrue. The interest calculation method of Harbin Bank's credit card is calculated on a daily basis, and the daily interest rate is 0.05%. It is worth noting that interest is calculated from the accounting date (spending date). The interest rate for one thousand yuan per day is 0.5 yuan. In addition, if the loan is not repaid when due or the minimum repayment amount is not met, a bad credit record will be recorded, and a late payment fee will be charged. The late payment fee guideline is 5% of the unpaid portion of the minimum repayment amount.