(18 three? Seven or five? 97? 2 280 * Guanyin Bridge in Jiangbei and Dai Huantao in Yubei x)
Let's take a look at these things about the temporary quota first. I hope I can help you:
After the temporary limit expires, it can also be repaid according to the minimum repayment amount of the bill.
For example, your credit line is 20,000 yuan, temporarily increased by 1000 yuan, and the maturity date in September is 15. The last bill was settled on 9/65,438+00, and all the credit lines have been used up. The bill shows that the total repayment amount is 30 thousand, the minimum repayment amount is 3000, and you are on 9/30 when the repayment date is due. Although the account will exceed the limit of 10000 yuan from 9/ 16, it will not affect your credit history. However, when the account is closed on June 5438+ 10, all the excess will be counted into the minimum repayment amount, which must be paid back, plus the minimum repayment amount within the normal limit.
In addition, if your actual repayment amount is lower than the minimum repayment amount on the due repayment date, you will have to pay a late fee for the unpaid part of the minimum repayment amount. The proportion of overdue fine is uniformly stipulated by the People's Bank of China, which is 5% of the unpaid part of the minimum repayment amount, and the minimum is 10 yuan RMB or 1 USD. The late payment fee is charged on the first billing day after the overdue payment of accounts payable.
According to the relevant regulations of the People's Bank of China, if a cardholder uses a card exceeding the credit limit, the bank will charge an excess fee for the part exceeding the credit limit. The over-limit fee is paid according to the transaction, accounting for 5% of the over-limit credit line, with a minimum of 65,438+00 yuan, and all over-limit amounts are included in the minimum repayment amount.
In today's credit society, don't underestimate the credit card stain, which will lead to many banking businesses that you can't handle, and car loans, mortgages and commercial loans can't get through. Therefore, it is necessary to develop a good habit of using credit cards and learn more about them.
Get ready for the solution.