2. Determine the final repayment date and repayment amount of your credit card consumption: Since the billing date of your credit card is fixed, and yours is on the 5th of each month, your credit card consumption from June 65438+1October 65438+1October 30 to June 65438+1October 30 exceeds 6,000 yuan. Including the cash withdrawal amount, the interest rate is five ten thousandths of the daily interest rate, interest amount = cash withdrawal amount * five ten thousandths of the daily interest rate, and compound interest is calculated monthly. These will be billed on165438+1October 5th, and the bill amount is more than 6,000 yuan for your credit card consumption, and the cash withdrawal fee in 800 yuan and 4 yuan, with interest = daily interest 0.4 yuan * interest-bearing days, and the final repayment date will be delayed by 20 days to 65440 days.
Third, determine the repayment plan according to your actual situation: First of all, I have to emphasize that no matter what method you use, you must pay the minimum repayment amount first. Secondly, if you have more money to repay, you will give priority to deducting the unpaid part of your cash withdrawal, and if there is excess, you will deduct more than 6000 yuan spent by your credit card.
4. If in order to reduce interest, as long as you have money, for example, you can withdraw 800 yuan on June 365438+1 October 3 1 day, and you have 1000 yuan on hand on June 65438+1October/day, then I suggest you generate it immediately. Because the withdrawal amount does not enjoy the interest-free period. On the last repayment date,165438+1October 25th, in order to prevent the credit card spending from generating interest, all the original 6,000 yuan of credit card spending will be returned by165438+1October 25th at the latest, so no interest will be generated, and you will occupy this 60,000 yuan for free.
If I don't understand what you don't understand, you can keep asking. I'd be happy to help you popularize the common sense of credit card use.