However, the remaining unpaid part will receive overdraft interest on a daily basis, with a daily interest rate of 5/ 10000 until it is paid off. If you can't repay on the next repayment date, you can repay according to the minimum repayment method. The calculation formula of the minimum repayment amount is: the unpaid part of the minimum repayment amount of the previous bill+the overdraft balance of the current bill * 10%.
1. The minimum repayment amount means that when the cardholder can't repay all the payables before the repayment period (including the repayment period), he can repay according to the minimum repayment amount stipulated by the card issuer, but can't 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.
2. Legal Basis According to the Notice of the People's Bank of China on Matters Related to Credit Card Business, the conditions and standards for cardholders to enjoy the interest-free repayment period and the minimum repayment period for overdraft consumption are determined by the card issuer. Pay the minimum repayment amount of the credit card. As long as there is a limit, you can swipe your card. Credit card available limit refers to the credit limit of unused credit cards. Every time the cardholder spends, the available amount will be reduced, and every time the cardholder repays, the available amount will be restored.
3. The calculation method of credit card available amount is: available amount = credit line approved by the bank-the amount owed by unpaid bills-the amount of transactions that have occurred but have not been recorded-other related interests and expenses. The recorded unsettled amount refers to the settled but unreturned credit card transaction amount; The accumulated but unrecorded amount refers to the amount of credit card transactions that have occurred but have not been settled; Other related interests and expenses refer to interest such as cash withdrawal and installment payment.
4. The credit card center charges a minimum of RMB 65,438+00 for RMB accounts and USD 65,438+0 for USD accounts. According to the minimum repayment amount, although there is no credit stain, the credit card amount is greater than the monthly repayment amount, and there is interest every month. Finally, the debt platform is high and the repayment pressure increases. Accidentally, even the minimum repayment amount is not paid, resulting in overdue repayment of credit cards. Even if there is no overdue and arrears, banks will be affected by the cardholder's lack of financial resources, which will have a great negative impact on the increase of the amount.