Use the minimum repayment function
Every bank will have a minimum repayment function. As long as the minimum repayment amount is paid, the bank will not charge late fees and will not affect personal credit. Generally speaking, the minimum repayment amount is 10% of the total bill. For example, your bill consumption this month is 10000 yuan, and the minimum repayment is only 10000 * 10% =
But the minimum is to charge interest, five ten thousandths of interest every day, so you only need to pay the minimum. Although the pressure will be reduced, it will generate compound interest, which will be more troublesome and can only be used for temporary relief.
Use piecewise function
If there is pressure on repayment, you can directly apply for bill installment. Generally, banks provide the total energy of phases 3, 6, 9, 12, 18, and 24. You can choose the number of phases according to your repayment ability, which will not only ease the repayment pressure, but also affect your credit.
The disadvantage is that there will be a handling fee, which varies from bank to bank, generally between 0.6% and 0.8%.
Change the bill to extend the repayment period
This is also the interest-free period of 100 days as others say. Let me give you an example directly:
Mr. Li spent 10000 yuan on the credit card because of the demand, but found that he could not pay it back at one time, and he didn't want to pay back the money at least or in installments, so he could extend the billing time by changing the billing date first, thus achieving the purpose of extending the repayment time. Assuming that his 1W will be recorded on May 29th, then Mr. Li Can calls the bank on May 28th to apply for changing the recording date, which can be changed to 25th to 27th. Then the bill will not be issued in May, and 1W will be issued on June 25 -27, plus an interest-free repayment period of about 20 days, and the repayment will not be made until July 8. If you can't pay it back by then, you can use the two methods mentioned above.
Note: The billing time cannot be changed at will. Generally speaking, it can only be changed once every six months. Some banks change it once a year, while others can only change it once.
Repayment by card or withdrawal.
If you can apply for another card or withdraw the amount, you can also use the card for the card, but this method must be used well, otherwise the outcome will be the same, so the solution is to understand and be familiar with several functions of the credit card, and then cooperate with these basic functions to achieve it.
Take the initiative to negotiate with the bank and explain the situation.
If you really can't get up for a while because of special circumstances such as work, you can take the initiative to call the bank and explain the reason, which proves that it is not malicious and there is a reason. Discuss whether you can delay repayment. Don't ignore the bank just because you changed your phone, so your personal credit will be lost unless you don't deal with the bank in the future.