My credit card limit is 3,000. What is the minimum repayment?

If you cannot repay the full amount by the repayment date, you do not need to repay the full amount but the repayment amount in each period must be greater than " Minimum repayment amount", which is the basic repayment requirement for you to maintain a good credit record. Minimum repayment amount = 10% cash advance principal, 10% non-cash advance transaction principal, 100% fees, 100% interest, 100% excess consumption amount, 100% of the unpaid portion of the minimum repayment amount of the previous period, 100% of the single installment amount, Please refer to the minimum repayment amount listed in the bill. If you choose "minimum repayment", you will not be able to enjoy the interest-free repayment period. All consumption in the current period will accrue interest from the recording date (usually the second day after consumption), with a daily interest rate of 0.05% until you have paid all your bills. Until it is paid off. If you repay the current period's repayment amount listed on the bill in full before the payment due date, you can enjoy the interest-free period for your consumption payments. You can choose the repayment method based on your specific circumstances.

If I spend 3,000 yuan on a Ping An Bank credit card, what should be the minimum monthly repayment?

The estimated cost is 300 yuan, the details will be shown on the bill.

Calculation method of minimum repayment amount of Ping An Bank credit card:

1. Minimum repayment amount = 100% of the unpaid portion of the previous minimum repayment amount, 100% cash withdrawal transaction (including principal, Fees, interest) 100% annual fee, 100% installment business, each installment of the principal, handling fee and the resulting interest, 10% of the consumption principal, 10% of the fee (except annual fee, cash withdrawal fee) (fees: including liquidated damages, Interest, loss report fee, damage repair fee, over-limit fee, etc.)

2. If the minimum repayment amount has been paid in one period, the minimum repayment amount = 100% of the previous minimum repayment amount has not been paid Some 100% annual fees, 100% cash withdrawal transactions (including principal, fees, and interest), 100% installment business, each period's debit principal, handling fees, and the resulting interest, 5% of consumption principal, 5% fees (excluding annual fees, cash withdrawals) In addition to fees) (fees: including liquidated damages, interest, loss reporting fees, damage repair fees, over-limit fees, etc.)

In addition, paying off the minimum repayment amount on time can effectively maintain personal credit, but customers use If the minimum repayment amount is repaid or the full repayment is not made, ordinary card consumption will not enjoy interest-free treatment. Interest will be calculated for each transaction starting from the accounting date, with a daily interest rate of 0.05% until the account is accounted for. until the date of settlement.

At the same time, in order to protect the interests of cardholders to the greatest extent, Ping An Bank has also implemented "tolerance repayment", that is, when the outstanding balance of the cardholder in the current period is less than 10 yuan (including 10 yuan), no interest will be calculated to avoid the cardholder's full interest calculation due to small debts. At the same time, personalized services will be provided for customers' special circumstances when using their cards, and they will be treated as repayments in full and on time.

The ICBC credit card debt is 3,000. If it is not fully paid off on the repayment date, but only the minimum repayment amount is paid, how will the interest be calculated on the remaining balance? Thank you!

About ICBC credit card, the minimum repayment amount is 10% of the bill amount. After repaying the minimum amount, interest of 0.05% per day will be calculated based on the bill balance until the principal and interest are paid off. The minimum repayment amount of ICBC credit card is calculated as follows: Minimum repayment amount = 10% of the unpaid minimum repayment amount of the previous period's bill and the overdraft balance of the current period's bill.

If you repay the minimum repayment amount before the due repayment date (inclusive), the card issuer will only charge the unpaid portion at a rate of 50,000 per day from the bank accounting date to the repayment date. Overdraft interest until the payment date.

After you select the minimum repayment amount for your ICBC credit card, you will no longer enjoy the interest-free repayment treatment. The minimum repayment amount of ICBC credit card includes:

The sum of the unpaid portion of the minimum repayment amount in the previous statement and 10% of the account overdraft balance on the current statement day.

If you repay beyond the grace period, it will be considered overdue: interest will be charged at 0.05%, and there will also be a late fee. Overdue repayment can not only cause you serious property losses, but also have an impact on your credit. Therefore, it is recommended that you do not overdue, use your credit card rationally, and repay on time.

Extended information:

The consequences of breach of trust

1. The release of "Lao Lai's blockbuster" increases exposure

LED large screen Exposure, Internet exposure, public transportation media exposure, and even loop playback in movie theaters.

2. Customize Lao Lai’s exclusive ring tones

In order to jointly punish Lao Lai, Luoyang, Enshi, Wuhu, etc. have reached an agreement with local communication operators to develop Lao Lai’s exclusive ring tones.

When a caller is called on the mobile phone, the other party will hear a "special reminder", and the caller will be urged to fulfill the repayment obligation as soon as possible.

3. Inquire about assets across the entire network and freeze Alipay balance

People have the right to inquire about your personal assets. Kunming Huangdao conducted an asset inquiry across the entire network for a dishonest person and found out that the real-name authentication There was an asset of more than 100,000 yuan in his Alipay account. He immediately submitted a "Letter of Assistance in Freezing Financials" to the Alipay headquarters and received cooperation, successfully freezing the assets in his Alipay.

4. WeChat Reward Announcement

The Guangzhou Intermediate People’s Court uses new media methods such as WeChat platform to release information about "old renegades", which will help further solve the "difficulty in execution". Last year, 38 execution reward announcements were issued, with the total amount involved reaching 247 million yuan. Recently, WeChat Moments advertisements have also begun to expose "Lao Lai", using big data to accurately deliver them, leaving Lao Lai nowhere to escape.