After the credit card is spent, you will receive the bank statement on the billing date. There are two amounts, one is the payable amount in this period, and the other is the minimum repayment amount. In fact, this is also a major advantage of credit cards. Once the credit card is consumed and exceeds the repayment range, you can choose the minimum repayment amount, so that your personal credit will not be affected. But you can no longer enjoy the interest-free period.
Full repayment means that the cardholder repays all the payables before the due repayment date (inclusive) and can enjoy the interest-free repayment period of a certain period stipulated by the issuing bank. Generally, the credit card bill will inform the bill of the total repayment amount (total repayment amount) of the current bill by mail or paper bill the day after the bill is issued.
If it is a Ping An credit card, you will pay the minimum repayment amount on time according to the bill, which will not affect your credit history and will generate interest. If the credit card bill is not repaid in full and on time, the interest will be calculated one by one according to each consumption in the bill. Generally, it will be calculated at 0.05% every day from the second day of credit card consumption until your transaction is paid off, for example, 654.38 yuan+10/00000, with daily interest of 5 yuan;
There are many types of Ping An credit card installment, and the actual installment fee rate is differentiated according to the cardholder's actual use of the card. You can log in to Ping An Pocket Bank APP- Credit Card-Installment Loan for inquiry.
Tips: The above information is for reference only. Please pay attention to the official account number of Ping An Bank credit card WeChat (paxyk955 1 1) for consultation.
Reply time: 2021-11-24. Please refer to the latest business changes announced by Ping An Bank in official website.