How much interest does Everbright Credit Card get for withdrawing 3, yuan?

The interest of Everbright Credit Card for withdrawing 3, yuan depends on the installment rate.

China Everbright Bank's credit card stipulates that the late payment fee shall be 5% of the unpaid part of the minimum repayment amount, with the minimum repayment amount of 1 yuan and the minimum 1 yuan RMB. The proportion of late payment fee shall be uniformly stipulated by the People's Bank of China, and the late payment fee of China Everbright Credit Card shall be. Late payment fee = (minimum repayment amount-paid amount by the due repayment date) ×5%

Everbright has three stages: 1. Optional interest-free staging: call customer service on the day of swiping the card to open the staging function, which can only be divided into 12 stages, and a handling fee of .5% of the total transaction amount is charged for each stage. 2. Bill installment: After the bill is generated, call to apply for bill installment, which can be divided into 3 installments, 6 installments, 9 installments and 12 installments. The handling fee is 2%, 4%, 5% and 6% respectively, but the handling fee is charged at one time. 3. POS installment: It means that some cardholders have the second credit line of their cards, and they can use the second credit line at the cooperation place of China Everbright Bank for installment. Usually, people spend the first credit line by swiping their cards, but the handling fee for this installment is charged by the merchants, and the handling fee occupies the first credit line.

How long is the grace period of China Everbright Credit Card?

China Everbright Bank provides a three-day grace period for the repayment of China Everbright Credit Card holders, and the repayment before 24: pm on the third day after the final repayment date is regarded as timely repayment. Assuming that the last repayment date is the 2th of each month, the cardholder must pay off the bill by 24: at the latest on the 23rd of that month.

If it is returned to the credit account before 24: on the last day of the repayment grace period and the account is received successfully, it will not be considered as overdue, otherwise, it will charge liquidated damages, interest and other fees (excluding Le Hui Gold Card and smart business credit card with daily interest).

if the repayment exceeds the grace period, the overdue repayment record will be submitted to the central bank for credit investigation.

Extended information:

First, the impact of the overdue credit card of China Everbright Bank:

If the credit card of China Everbright Bank is overdue, it will affect personal credit. When the time comes, the bad record will be retained for five years, and it will also have an impact on future car loans, mortgages and card handling.

5% of the unpaid credit card of China Everbright Bank will be charged a late fee, which will be collected on a monthly basis. We will also charge five ten thousandths of interest every day, and compound interest every month until it is paid off.

The credit card grace period of China Everbright Bank is three days. If you can't pay off before the due repayment date, you should try to pay off within the three-day grace period, otherwise you will be charged with late fees and interest, which will also affect your personal credit. If you really can't afford it, you should apply for bill installment in advance.

2. If the account is in a normal state and the repayment is completed within the grace period of current bill repayment, there are two situations:

When the repayment amount is greater than or equal to the current bill repayment amount of all accounts under the user name, the system will automatically allocate and adjust the current bill repayment amount of each account one day after the grace period.

if the repayment amount is greater than or equal to the minimum repayment amount of the current bill of all accounts and the current bill of the receiving account has been paid off, the system will automatically allocate and adjust according to the minimum repayment amount of the current bill of each account one day after the grace period.

what should I do if Everbright Credit Card is overdue?

Credit card holders of China Everbright Bank should take the initiative to contact the bank after it is overdue, and don't passively wait for the bank to contact, let alone deliberately avoid the bank.

explain to the bank the reasons why individuals are overdue, inform the bank of their own difficulties, apply to the bank for deferred repayment and interest reduction, and ask whether they can repay by installments, and show the bank their strong willingness to repay.

Make a clear repayment plan for future repayment, and wait for the bank's notice whether to agree to negotiate repayment.

In order to ensure that the repayment amount is recorded before 24: on the third day, it is suggested that the cardholders of Everbright Credit Card adopt the repayment methods provided by Everbright Bank, such as online bank transfer repayment, ATM card transfer repayment, cash repayment at the counter of our business outlets, and mobile bank transfer repayment.

Third, the repayment method of Everbright Credit Card:

1. Open the browser of GoogleChrome91..4472.114 with Apple macbookpro, version 11.3, and log in to personal online banking; Or download version APP8.1.9 of China Everbright Bank APP on the iPhone124.1 version and use the debit card of China Everbright Bank to repay the loan.

2. bind the credit card automatic repayment function.

3. Repayment is made through the counter or automatic deposit equipment. In addition to the grace period for repayment, other services of China Everbright Bank also provide tolerance service, that is, when a customer repays a credit card, as long as the difference between the repayment amount and the bill repayment amount does not exceed RMB 1 yuan, it is still regarded as full repayment.

How much is the handling fee for the overdue credit card of China Everbright Bank?

5% of the unpaid part.

China Everbright Bank stipulates that the late payment fee shall be 5% of the unpaid part of the minimum repayment amount, with the minimum 1 yuan RMB.

the credit card of China everbright bank has a grace period of 3 days, that is, repayment within 72 hours after the final repayment date is considered as timely repayment. Your previous good reputation and full repayment will generally not have a great impact on your personal reputation. You can call the credit card department of the bank and explain the situation. Generally, it will not be counted as overdue.

Don't underestimate how to calculate the cyclic penalty interest for overdue interest of Everbright Credit Card.

Overdue credit cards not only affect the personal credit of cardholders, but also need to pay high interest and late fees to the bank for a long time. Once overdue, you can't miss this fee. The overdue interest of China Everbright Bank's credit card is calculated by using the cyclic interest. Here, we will introduce the algorithm of overdue interest in detail.

how to calculate the overdue interest of China Everbright Credit Card

The calculation of cyclic interest is based on each amount on the bill (including the consumption principal, cash advance principal and paid interest that do not enjoy the interest-free repayment period), and the accounting date of this account is the starting date of interest calculation. Until the payment date of this account, the daily interest rate is, for example, the 5th of each month, which is the billing date of the credit card. During the billing period of this month, cardholder Xiaobai has a consumption on the 4th of this month. Then Xiaobai's "current repayment amount" is 5, yuan, and the "minimum repayment amount" is 5 yuan.

if he pays the minimum repayment amount of 5 yuan in 3 days, the specific calculation of the revolving interest in the statement on the 5th of the following month is as follows: 5, yuan××× 26 days (5th-3th) (5, yuan -5 yuan )××× 6 days (31st-5th) = Yuan revolving interest.

Everbright Bank has a high penalty interest rate for revolving interest, which is equivalent to 18% of the annual interest rate. Cardmembers should never underestimate this penalty interest rate, and the arrears must be paid back in time.

In addition, Everbright Bank will not only charge the cardholder interest for overdue credit cards, but also generate a certain late payment fee, which is generally calculated according to 5% of the unpaid minimum repayment of credit cards, and the minimum 1 yuan will be charged.

Let's stop talking about how to calculate the late payment fee of Everbright Credit Card.