The "Notice on Improving the Pricing Mechanism for Bank Card Swipe Fees" jointly issued by the National Development and Reform Commission and the People's Bank of China will be officially implemented on September 6. The new regulations will provide a unified rate for all merchants. , the requirement to divide rates according to industry has been cancelled, and debit cards and credit cards are charged differently. Credit cards belong to the category of credit cards. You need to pay a service fee of no more than 0.45% for card purchases, and there is no cap on a single transaction. For example, if you pay 300,000 yuan by credit card, the service fee = 300,000 yuan X 0.45% = 1,350 yuan. It is recommended that when buyers decide to use a credit card to pay the down payment, it is best to understand the local bank charges and policies in advance.

Can I use a credit card to buy a house?

You can use a credit card to buy a house or a car, as long as you remember to repay the money on time, but there are generally no points.

1. Credit cards generally have a three-day grace period after the repayment date. Repayment within the grace period is deemed to be repayment on time;

1. If the payment is paid in full, no credit will be incurred. Any fees;

2. If you pay the minimum repayment amount, the daily interest will be calculated at 0.05%;

2. If the repayment exceeds the grace period or the repayment amount is less than the bank's regulations The minimum repayment amount is considered overdue, and the daily interest rate is 0.05%, and the interest is calculated from the accounting date. In addition, a late payment fee of 5% of the unpaid portion of the minimum repayment amount is charged on a monthly basis.

Can a credit card be used to repay a mortgage?

A credit card cannot be used as a mortgage repayment account. A credit card cannot use the credit limit to repay through consumption. It cannot enjoy a credit card exemption of up to fifty days. interest period. Therefore, the so-called using a credit card to repay the mortgage loan can only be done by withdrawing cash from the credit card to repay the mortgage loan. For cash withdrawals with credit cards, interest is charged. Major banks charge handling fees ranging from 0.5% to 1% for domestic cash withdrawals. In addition to handling fees, cardholders must also pay interest. The daily interest rate is 5%, and the annual interest rate is 5%. Interest rate is calculated at 18%.

What should I do if my credit card is overdue?

1. After some people have overdue payments on their credit cards, they plan to use the credit card completely, neither paying back the money nor canceling the card. Regarding the mistake of this approach, if you continue to fail to repay, there will be an overdue payment every month, which means that you will have a bad credit record once a month. If you fail to repay for several consecutive months, you will be sued by the bank and found guilty of malicious arrears. Your credit record will be even worse, and the amount of arrears will become larger and larger. In serious cases, you may be sentenced to fines.

2. If the credit card is not repaid overdue, the credit card center will collect the payment. Some people do not repay the loan and avoid repayment by changing their address, mobile phone and other contact information so that the bank cannot contact you. In fact, this approach is also wrong. When applying for a credit card, your real-name information will be recorded by the bank. Once you fail to pay it back, the bank will determine that you have malicious overdrafts and arrears, and will call the police, who will list you as a wanted criminal.

3. For credit card holders, if they are unable to repay on time due to unemployment, illness or other accidents, it is best for the card holder to proactively contact the credit card center before the final repayment period comes. Contact by phone, explain your situation, state that you do not owe money maliciously, and apply for delayed repayment and interest discounts.

4. The bank will agree to defer the repayment based on the cardholder’s performance and good credit record, and agree with the cardholder on a mutually acceptable repayment plan, such as the deferment period, interest discount, monthly Repayment amount, etc. If you take the initiative to contact the bank and the bank agrees to defer the repayment, you will not be recorded as a bad record. However, it should be noted that you must ensure that you repay as agreed in the future.

5. If you forget to repay your loan and find it is overdue, you should repay it as soon as possible, preferably in full. Then call the credit card center and apply for a non-malicious debt. If the record has been good in the past, the overdue period is short, and it is found that the repayment is good after the overdue period, it may not be recorded as a bad record.