Current location - Trademark Inquiry Complete Network - Overdue credit card - Regarding the installment of China Merchants Bank's credit card bill, the total installment amount is higher than my bill this month.
Regarding the installment of China Merchants Bank's credit card bill, the total installment amount is higher than my bill this month.
First of all, the base of bill installment is applied according to the total consumption in this bill period (only looking at consumption, not looking at refund and repayment), so the maximum amount is 1634.86. However, because you have a refund in this billing cycle and directly deduct part of the arrears from the bill, the actual repayment is only 1467.6, which is the gain from the decrease in total consumption in this period. In this case, you don't need to pay the maximum amount in installments, but you can apply for the bill amount. If the refund amount is greater than the minimum, there is no need to repay during this period.

If you still apply for the installment of 1634.86 when the bill amount is 1467.6, then you have not overpaid 167.26, but overpaid the handling fee of 167.26. The negative part will be deducted from next month's bill, and you can pay less 167.26 next month.

Tips: Pay attention to the minimum repayment amount. It doesn't matter if it is 0. You don't have to return this issue.