At present, most banks set the charging standard at 5% of the unpaid minimum amount. The late payment fee charged by the bank before is also charged at 5% of the unpaid part of the minimum repayment amount, which is consistent.
The new credit card regulations give commercial banks more autonomy, such as pricing, collection of liquidated damages and determination of rates, which will be carried out in accordance with the agreement between commercial banks and cardholders. In the future, different banks or the same bank can have different policies for different customer groups and the same credit card at different promotion stages, which is conducive to the differentiated development of credit card business.
Except for ICBC, Bank of China, Huaxia, Shanghai Pudong Development Bank and other banks have not set minimum fees, and many banks have set minimum and maximum fees. Judging from the banks that set the minimum standard, the standard of Agricultural Bank is the lowest, which is 1 yuan, followed by 5 yuan and China Construction Bank;
China Merchants Bank, Minsheng Bank, Bank of Beijing, Bank of Communications 10 yuan, China CITIC Bank, Ping An Bank, China Guangfa Bank (single currency card, dual currency card) 20 yuan. Only ICBC and Huaxia Bank set the highest overdraft charges, of which ICBC is 500 yuan and Huaxia Bank is 2,000 yuan.
Extended data:
2065438+In April, 2006, the central bank issued the Notice on Related Matters of Credit Card Business. In the new credit card regulations, the central bank canceled the late payment fee for credit cards, and banks charged liquidated damages instead. The notice will take effect on 20 17 1. There is only one month left before the implementation of the new credit card regulations, and many banks have adjusted the charging standards for credit card liquidated damages.
Some experts in the industry believe that this adjustment will reduce the burden of overdue fees for cardholders on the one hand, and also have a certain binding effect on overdue repayment of credit cards on the other hand. Nevertheless, users are advised to pay back their credit cards on time to avoid the impact of arrears on their personal credit records.
Phoenix. Com- new credit card regulations: banks cancel late payment fees and charge liquidated damages instead.