According to the unified regulations of the People's Bank of China, Agricultural Bank of China charges a daily interest rate of .5 ‰, with compound interest on a monthly basis. (Interest is not calculated during the interest-free period) ABC adopts the revolving credit interest calculation method.

1. Revolving credit: Revolving credit is a small, unsecured loan with daily interest. According to your own financial situation, you can decide the repayment amount by yourself every month before the due date of the current credit card bill. When the repayment amount is equal to or higher than the minimum repayment amount of the current bill, but lower than the repayment amount of the current period, the remaining deferred repayment amount is the revolving credit balance.

2. interest calculation of revolving credit:

each consumption amount in the last statement is the interest-bearing principal, and the interest-bearing days are from the bookkeeping date to the repayment date of the account, and the daily interest rate is five ten thousandths.

Extended information:

Jinsui Credit Card takes the brand service concept of "enjoying credit taste life", based on creating a new life and experience for cardholders, and aims to become the most trusted credit card brand for cardholders.

with innovation as the main line, Jinsui Credit Card has successively launched a series of products such as standard cards, business cards, platinum cards, various regional co-branded cards and special cards for middle and high-end customers and potential target customer groups, leading the needs of different customer groups. In addition to providing a series of intimate services, such as raising the temporary limit at any time, self-help activation, 24-hour free customer service hotline, zero risk of card loss, timely notification by SMS, choice of consumption password, and various repayment methods, we have also successively launched special functions such as bill SMS prompt, SMS loss reporting, mail loss reporting, business travel reservation, 24-hour health consultation, and "516" installment payment, which combine the advantages of outlets, networks and products all over urban and rural areas to form a powerful functional advantage.

Brief introduction of functions:

Huinong Credit Card is a special product of lending and borrowing, which was launched by Agricultural Bank of China on January 6th, 29. It is specially designed for high-end customers in counties and rural areas with good credit concept, and it is one of the series products of Jinsui Card of Agricultural Bank of China. Huinong Credit Card can not only be used as a tool for your payment, settlement, savings and financial management, but also meet your short-term and frequent capital turnover needs through our credit, and provide a number of personalized auxiliary functions to fully serve your production and life.

1. Integration of debit and credit, instant credit

Huinong Credit Card has a powerful function of integration of debit and credit. You can open current and multiple fixed sub-accounts, and deposit your own funds to earn deposit interest; Moreover, after receiving the card, you can directly overdraw and use the letter immediately within the credit line approved by our bank without going through other formalities, flexibly arrange your own production and operation funds and manage your family property.

2. Revolving overdraft and quick turnover

Within the credit line approved by our bank, you can borrow and repay at any time according to your own capital situation, and the interest is calculated according to the actual days of use. After repayment, the credit line will be immediately restored and reused, realizing the rapid turnover of funds, saving the use cost of funds and realizing asset appreciation to the greatest extent.

3. Cash withdrawal in full is convenient to use

You can not only spend overdraft, but also cash withdrawal overdraft and transfer overdraft. Among them, the ratio of cash withdrawal overdraft and transfer overdraft can reach up to 1% of the credit line, which can meet your capital needs for different purposes to the greatest extent.

4. High credit and flexible guarantee

You can obtain the credit of Huinong Credit Card through various guarantee methods such as credit guarantee, guarantee guarantee, pledge guarantee and mortgage guarantee. Combined with your credit status and guarantee method, the maximum credit line can reach 3, yuan.

Reference: Baidu Encyclopedia-Agricultural Bank Credit Card