It is a very convenient short-term loan tool. When the amount on the bill cannot be paid off at one time, you can use this function to decide the amount and time of repayment by yourself, and settle it at any time without providing any collateral.

Calculation rules:

1. If the consumption of each installment is not fully repaid before the final repayment date, the interest will be calculated from the date when the consumption is recorded. Cash withdrawal by credit line is to calculate the cyclic interest from the same day. Please repay according to the amount on the monthly statement. If you repay with the minimum repayment amount, you can make the capital flow more freely without affecting your credit history under the condition of paying cyclic interest.

2. For consumer credit cards, there is no interest on full repayment before maturity. However, if there is no full repayment (even if it is almost the same), the interest will be calculated separately from the consumption date (calculated at the daily interest rate of five ten thousandths).

Extended data

Application conditions:

1. The customer must meet the basic conditions and requirements for the borrower in the general loan rules and credit management policies of commercial banks;

2 customers must be large and medium-sized manufacturing enterprises, import and export enterprises, commercial enterprises or joint ventures, with good operating and financial conditions, and their industries have good development prospects and competitive advantages; ?

3. The customer has established a stable cooperative relationship with China Bank with a good historical record; ?

4. The operating characteristics of the customer business are consistent with the operating mode of the credit line, and the business progress can be fully and effectively supervised by the bank;

5. The customer guarantee method meets our requirements. ?

Baidu encyclopedia-credit line