1. Generally, the minimum repayment is one-tenth of the credit card amount, so if you take 60,000 yuan, the minimum repayment is 6,000 yuan, but your interest will be nearly 800 yuan a month. There is no minimum payment for cash withdrawals by credit card. Interest will be calculated starting from the day of withdrawal, at 50,000 per day, the converted annual interest is 18, calculated on a monthly compound interest basis.

2. There are three ways to repay credit cards, one-time payment, installment payment, and minimum payment. One-time payment is the most cost-effective, as there is no need to pay interest, and the installment payment rate is low and the minimum payment is It is the least cost-effective, and the interest rate is relatively high. Each bank has its own policy on the specific amount. In addition, the minimum repayment is shown on the credit record, which reflects that the financial status of the repayer is not very good

3. Credit card loans usually refer to credit card cash installments. Credit card cash installments have no interest, only handling fees. The cash installment handling fee rates of common banks are as follows:

1. ICBC Credit Card Installment interest rate: no handling fee for 3 periods, 1.8 for 6 periods, 2.7 for 9 periods, 3.6 for 12 periods, 5.85 for 18 periods, 15.6 for 24 periods (one-time charge);

2. Agricultural Bank of China credit card installment interest rate: monthly 0.6 (charged every month);

3. Bank of China credit card installment interest rate: 1.95 for 3 periods, 3.6 for 6 periods, 5.4 for 9 periods, 7.5 for 12 periods, 11.7 for 18 periods, 15 for 24 periods (charged at one time) ;

4. CCB credit card installment interest rate: 0.7 for 3 periods, 0.6 for 6 periods and 12 periods (charged every month);

5. CITIC Bank credit card installment interest rate: 12 The installment fee is 2.5 (charged every month);

6. The installment interest rate of Pudong Development Credit Card: 0.72 for 3 periods, 0.7 for 6 periods, and 0.66 for 12 periods (charged every month);

7 , China Merchants Bank credit card installment fee: 2.6 for 3 periods, 4.2 for 6 periods, 7.2 for 12 periods (charged every month);

8. Bank of Communications credit card installment interest rate: 0.72 per month (charged every month);

9. Guangfa Credit Card Installment Interest Rate: 0.65 for 6 and 12 installments, 0.7 for 18 and 24 installments (charged every month);

10. Everbright Credit Card Installment Interest rate: Apply for installment repayment before consumption, 12-month installment, charge 0.5 per month; bill installment types include 3, 6, 9 and 12 periods, the handling fees are 2, 4, 5 and 6 respectively (one-time charge).