After the implementation of the new credit card regulations, credit cards no longer charge late fees, but they have to pay liquidated damages, and the fees for liquidated damages of different banks are different. Here, let's first introduce how the liquidated damages of Guangfa Bank are calculated, and let's know.

Many banks charge a penalty of 5% for the unpaid minimum amount of the current bill, but they will set the upper and lower limits. However, the credit card penalty interest of Guangfa Bank is different, and it is charged in groups according to the overdue situation of customers. There are two charging standards:

1. 5% of the unpaid part of the minimum repayment amount:

This is the penalty standard for cardholders who have not been overdue for two consecutive months, but it is subdivided into four minimum charging standards according to the comprehensive score of cardholders:

1, the reliability value is ≥750, and the minimum charge standard for liquidated damages is 10 yuan;

2. If the reliability value is below 750 and above 620, the minimum charge standard for liquidated damages is 20 yuan;

3. Reliable value

4. For new customers whose card opening time is less than 6 months, the minimum charge standard for overdue penalty is 20 yuan.

2. Calculate the outstanding amount at 6% of the minimum repayment amount:

If the minimum repayment amount has not been paid off for two consecutive months, overdue customers will use this penalty standard, but it is subdivided into three minimum charging standards according to different card types:

1. Minimum charging standard for individual single cards (including business cards and all-in-one cards, etc.). ) It's 30 yuan RMB for 5 dollars or 40 Hong Kong dollars.

2. For personal dual-currency cards, the minimum charge standard for liquidated damages is RMB in 30 yuan, that is, USD 2;

3. The minimum charge standard for the unit card is RMB 65,438+00, equivalent to US$ 65,438+0 yuan.