Full repayment means repaying it all at once, and the minimum amount is 10% plus interest every month. For example, if you spend 1,000 yuan, the full repayment is 1,000 yuan. The minimum amount refers to the minimum repayment amount, which is usually 10%. That is, if you repay 100 yuan that month, it is not considered overdue.

The minimum repayment amount of a credit card refers to the minimum amount stipulated by the bank that the credit card holder should repay before the due repayment date (inclusive). If the cardholder chooses to repay the minimum repayment amount, he will not be able to enjoy the interest-free repayment period and will need to pay a certain amount of interest, but the cardholder will be deemed to have repaid the loan on time and will not have an impact on the cardholder's credit record. . The current calculation method for the minimum repayment amount of a credit card is generally 10% of the consumption amount plus other various payables. The minimum payment amount will be shown on the current bill. It should be noted that there is no minimum repayment amount for the Golden Harvest Business Card. The user must repay the card in full after receiving the statement. Otherwise, overdue payment penalty, interest and other related fees will be charged according to regulations.

1. The cards of rural commercial banks and rural credit cooperatives belong to rural cooperative banks, that is, rural credit cooperatives.

1. Rural Credit Cooperatives (Rural Credit Cooperatives, Rural Credit Cooperatives) refer to rural areas established with the approval of the People's Bank of China, composed of members as shareholders, practicing democratic management, and mainly providing financial services to members. Cooperative financial institutions.

2. Rural credit cooperatives are independent corporate legal persons. They bear responsibility for the debts of rural credit cooperatives with all their assets and enjoy civil rights in accordance with the law. Its property, legitimate rights and interests and business activities carried out in accordance with the law are protected by national laws. Its main task is to raise idle funds in rural areas and provide financial services for the development of agriculture, farmers and rural economy.

3. In accordance with national laws and financial policies, organize and regulate rural funds to support agricultural production and comprehensive rural development, support various forms of cooperative economy and member family economy, and limit and crack down on usury. Rural Credit Cooperatives are divided into the following departments, Rural Credit Cooperatives Cooperatives, Rural Credit Cooperatives International Finance Department, Zhengtong Rural Credit Cooperative Training School, Rural Credit Cooperative Credit Department, etc. It is a department currently under the dual leadership of the China Banking Regulatory Commission and the State Council.

2. As a bank-like financial institution, rural credit cooperatives have their own characteristics, which are mainly reflected in:

1. They are jointly formed by farmers and other rural individuals to raise funds, focusing on mutual assistance. It is a cooperative financial organization with a purpose, and its business operations are managed and operated by members designated by members on the basis of democratic elections, and are responsible to the members. Its highest authority is the Members' Congress, and the executive body responsible for the management of specific affairs and business operations is the Board of Directors.

2. The main source of funds is the share capital paid by cooperative members, the retained provident fund and the deposits absorbed; loans are mainly used to meet the financial needs of its members. At first, it mainly issued short-term production and living loans and consumer loans. Later, with the development of the economy, the lending channels were gradually expanded, and they were no different from commercial bank loans.

3. Since the business targets are cooperative members, the business procedures are simple and flexible. The main tasks of rural credit cooperatives are: in accordance with the provisions of national laws and financial policies, organize and regulate rural funds, support agricultural production and comprehensive rural development, support various forms of cooperative economy and member family economy, and limit and combat usury.