For example, the amount owed is 1 0,000 yuan, and one day overdue is 1 0,000× 0.0005 = 1 yuan, except for the late payment fee,10,000× 0.05 = 50 yuan.
If the repayment is not made on time within the interest-free repayment period and has been in arrears, there will be new changes in the calculation method of credit card fees, and a late fee will be added (calculated according to the amount of arrears, which shall not exceed 500 yuan at the maximum, and will be charged every month), and at the same time, the daily interest of arrears will be calculated according to compound interest.
The total amount of monthly arrears interest+overdue fine+arrears principal will become the principal until next month, and the overdue fine and interest will be recalculated. This forms the cycle calculation of credit card arrears interest.
When your bank credit card is overdue, you can try the following solutions:
1. If the overdue amount is small and occurs without your knowledge, you can apply to the bank to cancel the bad record, and the bank will submit an application to the central bank. ?
2. If it is currently overdue (overdue, unsettled), it is usually impossible to borrow money. Borrowers need to settle overdue loans and credit card overdue repayments before applying for loans.
3. If it is historically overdue, first check whether the credit record period has passed. At present, the overdue records of nearly five years are kept in the credit report, and the credit records of more than five years will not be reflected. So overdue five years ago does not affect the loan application. ?
If it is overdue within 4.5 years, the lending institution will review the overdue situation. Usually, the loan will be refused if it is overdue for more than 6 times or more than 3 times in a row (different banks have different standards). If the credit card is overdue only once and there is no overdue at present, it usually has little impact on the loan.
1. What should I do if my credit card loan is 80,000 yuan?