Overdraft means not saving the money you can use and then paying it back.
Question 2: How to calculate the interest on credit card overdraft of ABC? I advise you not to return it when it is due. Be sure to pay it back once a month. Even if you return it and then take it out, it is legal and will not affect the record. But it's been so long. The interest is five ten thousandths of a day. Late payment fee 10 yuan. If you don't pay it back twice in a row. There will be many phone calls for you. I advise you to be honest and pay a little every month. If you owe 1000, the minimum repayment amount is only 100, and then interest will be deducted. If it's really urgent, you can take it out when it's finished.
Question 3: Does ABC take the existing handling fee for credit card overdraft? How did you collect it? 3000+3000* 1%=3030
3030*0.0005* Tiangeng +3030= the amount of money you need to pay back.
Question 4: How to calculate the interest on ABC's credit card? 1, the interest is calculated as simple interest at 0.05% of the daily interest, and the simple interest is calculated as five ten thousandths of the day.
2. On each accounting day, the total interest+principal is recalculated as the new principal, and then the interest is calculated.
3. That is to say, compound interest once every billing day, usually just simple interest.
The principal is not how much money you have left, but the total principal at the beginning is calculated as the cost to calculate the interest. For example, you owed -8 104. 18 yuan with interest last month, and then you only paid back 1000 yuan. That doesn't mean that your daily interest this month is (-8104.18+1000) * 0.05% =
PS: That is to say, as long as you haven't repaid in full, the principal is the total amount of your consumption, including your re-consumption during this period, and the interest calculation date starts from the first consumption time. For example, you overdrawn 8,000 yuan last June 1, and only paid 1000 yuan this month (that is, you didn't pay it all off), and you spent another 2,000 yuan one day this month. The interest of 2000 is also calculated from June last month 1.
I hope my answer will make you understand. If you find it useful, thank you for adopting it.
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According to the landlord's supplement, I add an answer, starting with the premise hypothesis:
A, because the accounting date of each month is the same, there are different months in eight months. I'll count the 30th as a month for the time being, because the interest of one day is not much different.
B. In the process of paying back the money, don't spend any more (for example, money is consumed halfway, please refer to PS for the explanation of the principal).
1. Based on the above assumptions, since the daily profit is 0.05%, the monthly profit is 0.05%*30=0.0 15.
2. Because the interest is added to the principal once a month as a new principal, the intermediate repayment does not affect the calculation of the principal (refer to the explanation in point 4 above), and the debt after 8 months: 8,000 * (1+0.015) 8 (power 8) = 9,065,438+065. That is, calculate the interest to nine months, that is, the debt for nine months is 8000 * (1+0.015) 9 = 9147.1198031538920.
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I hope this detailed answer is useful to the landlord. I hope the landlord can give me some compensation for my hard work. Thank you.
Question 5: How to charge interest on credit card overdraft of ABC? How did you spend it? It won't be a cash withdrawal, but according to your quota of 2000, you can only spend it by credit card.
According to Article 14 of the Articles of Association of China Agricultural Bank Jinsui Credit Card (debit card): "The cardholder shall repay the loan before the due date required by the bank, and the longest interest-free repayment period from the bank bookkeeping date to the due repayment date is 56 days. The issuing banks of the above deposit funds all compound interest on a monthly basis, with a daily interest rate of five ten thousandths. " The annual interest rate 18% and the monthly interest rate 1.5%. If it is not paid back within 45 days, the interest will be around 45 yuan.
However, due to your overdue repayment, according to Article 16 of the Articles of Association: "If the cardholder fails to repay according to the minimum repayment amount required by the issuing bank before the due repayment date and exceeds the credit limit agreed by the issuing bank, in addition to the deposit cost, he shall also charge a late fee and an over-limit fee of 5% for the unpaid part of the minimum repayment amount and the part exceeding the credit limit." So you still have a late fee of 10 yuan (assuming your minimum repayment amount is 200 yuan).
So in addition to the principal of 2000 yuan, you have to pay extra bank 60 yuan interest and late fees.
To put it simply, if you don't even give the minimum repayment amount to the bank in 200 yuan, the monthly expenses (at least next month) will be around 60 yuan. I suggest that you pay back part of the minimum repayment, otherwise it will affect your letter of credit and bring a lot of trouble to your future business such as house and car.
Question 6: How to calculate the credit card overdraft interest of ABC? According to the unified regulations of the People's Bank of China, the Agricultural Bank of China charges a daily interest rate of 0.5 ‰, with compound interest on a monthly basis. (Interest is not calculated during the interest-free period)
When the repayment amount is equal to or higher than the minimum repayment amount of the current bill, but lower than the current repayment amount, the remaining deferred repayment amount is the circulating credit balance. Revolving credit is a very convenient loan tool, which not only allows you to enjoy the convenience of swiping your card, but also is a good choice for you to manage your finances easily. If you choose to use revolving credit, you cannot enjoy the interest-free repayment period in the current period.
Interest calculation of revolving credit:
The consumption amount of the last statement is the interest-bearing principal, and the interest-bearing days are from the account bookkeeping date to the account repayment date, and the daily interest rate is five ten thousandths.
Question 7: ABC's credit card is overdrawn. How to calculate how much each installment will pay? Credit cards can't be overdrawn or transferred, but can only be cashed out through pos machines, and can't be cashed out in installments;
If you cash out 30000 12 with a credit card pos machine,
Repayment per installment =30000/ 12+ installment fee 30000 * 0.6% = 2680;
Question 8: There are three ways of credit card overdraft in ABC: First, credit card consumption is called overdraft. The second is cash installment, and the third is bill installment.
Question 9: How to calculate the single-day cash withdrawal of ABC's credit card account? There is no interest-free period, and interest will begin to accrue after cash withdrawal. The following repayment bill date is credit card consumption.
The repayment date of ABC's credit card is the 25th day after the bill date. Take the previous bill as an example. The billing date is September of 14, and the repayment date is 25th day after the billing date, that is, June 9th of 10.
In August1May-September 14, pay the bill in September 14, and repay it before1October 9.
Credit card spending in September 15- 10/4, bookkeeping in June10/4, and repayment before June 165438+ 10. (10 is 3 1 day, and September is 30 days)
Therefore, if you swipe your card on the day of the bill, the interest-free period is the shortest, only 25 days (swipe your card on September 14, and repay it on October 9), and swipe your card after the bill, and the interest-free period is the longest, only 56 days (swipe your card on September 15, and repay it on October 8).
Question 10: How much is the credit card interest of Agricultural Bank? How to calculate, all banks are the same. If the due repayment date is not enough, even if you pay back 4999 yuan, 1 yuan, the interest will be calculated from the day you spend it by credit card, and then by 1 yuan on the day you pay back 4999 yuan.
For example, your bill date is 10, and the due repayment date is 29th.
If you spend 5000 yuan at 65438+ 101,your monthly settlement date is February 10, and the due repayment date is February 29th. If it is still 4999 on February 29th, the interest will be calculated on March 10. Specific formula: 5000*0.0005*49 days +(5000-4999)*0.0005* 10 days = March interest 10.