The minimum repayment amount is generally 10% of the bill amount, that is, 4000*10=400 yuan. The interest calculation method of credit card is based on compound interest of 0.5% of the daily interest from the date of swiping the card. The formula is: A*[(1 0.05)^n-1], A is the amount owed, and n is the number of interest accrual days. Assuming that the interest accrual start date for the arrears of 4,000 yuan is the same, the monthly interest rate is: [(1 0.05)^30-1]=1.51, the monthly interest is: 4000*1.51=60.4 yuan; the interest for the next month is 4000* [（1 0.05^60-1]=4000*3.04=121.6 yuan; In the above situation, even if the minimum repayment amount is repaid, the interest will be calculated in full. In addition, if the minimum repayment amount is not repaid, the interest will be calculated in full. A late payment fee is charged. The late payment fee is 5% of the minimum repayment of the bill amount (usually 10% of the bill amount), which is (4000*10)*5=20 yuan.
1. If the card is swiped at CCB. If you spend 4,000 yuan, the minimum repayment limit is around 400 yuan. However, your 4,000 yuan includes the last withdrawal and unpaid part, so as long as your minimum repayment amount is greater than 400 yuan, you will not owe the bank any money. If you can repay the minimum repayment amount on the last payment day of each month, you will not be able to enjoy the interest-free repayment period. If it is a CMB credit card, the minimum repayment amount is usually 400 yuan.
2. , Credit card minimum repayment amount = 10 of all general transactions in the credit card account 100 of all outstanding single installment transaction amounts in the account 100 of the outstanding portion of the previous minimum repayment amount 100 of all payments that exceed the account credit limit 100 The interest on the fee is 100. The minimum payment amount refers to the minimum monthly payment amount of the credit card, which is shown on the credit card statement of the month. If you cannot pay it off at once, you can pay the minimum amount on time before the last payment date. It will affect your personal credit, but you will not be able to enjoy the interest-free repayment period. All purchases in this period will accrue interest at a rate of 0.05 per day.
3. The minimum repayment amount is generally 10 of the bill amount, that is, 4000*10=400 yuan. The credit card interest is calculated as the compound interest of 0.05 per day from the date of swiping the card. The formula is: a*[(1 0.05. )^n-1], a is the amount owed, and N is the number of interest accrual days. Assuming that the interest date of the arrears of 4,000 yuan is the same, the monthly interest rate is: [(1 0) ^ 30-1] = 1. 51, monthly interest: 4000 * 1. 51 = 60. 4 yuan; next month's interest is 4000 * [(1 0.05)^60-1]=4000*3.04=121.6 yuan; and so on