The interest of a credit card is generally calculated at 50,000 per day. According to the calculation formula of interest = amount * interest rate * time, the interest for a day of 30,000 yuan is: 30000*0.05%=15 yuan , calculated based on 365 days in a year, the interest for a credit card loan of 30,000 yuan per year is: 15*365=5475 yuan.
It should be noted that credit cards generally have an interest-free period of up to 50 days. During the interest-free period, users will not be charged interest if they pay off the credit card.
Extended information:
1. Application conditions:
1. Applicants must be between 18 and 60 years old and have full capacity for civil conduct;
< p>2. Have a good credit record;3. Have a job income and the ability to repay.
2. Application materials:
1. Identity proof: copy of resident ID card or military officer ID;
2. Work and income proof;< /p>
3. Other proof of financial resources: such as a copy of the real estate certificate, a copy of the driving license, a copy of the deposit receipt, etc.
3. Credit card application method:
1. Application at the counter:
Bring your credit certificate to the counter to apply:
Applicant required Submit relatively complete asset certification documents and submit materials to the bank for review by the bank's backend review department;
After passing the review, fill in relevant information and identity information;
Issue a credit card.
2. Online banking application:
The applicant uses a savings card account under his or her name to open online banking and enter the bank’s official website;
Enter the card number, login password and verification code Then enter the online banking page;
Click "Credit Card Service", you can choose to apply for a credit card under the credit card service page, fill in the information and submit, the review progress and results will be displayed on the online banking;
Audit Once approved, the credit card is issued.
3. Counter application process:
Go to the bank branch where the credit card is processed, or ask the staff of the local bank's credit card center to fill out the credit card application form. The content of the application form generally includes the applicant's name, basic information, financial status or source of income, guarantor and his/her basic information, etc.;
Submit certain copies of certificates and certificates to the card issuing bank;< /p>
After filling in the application form truthfully, you must submit relevant credit certificates together with the completed application form;
The application form is accompanied by a credit card use contract, and the applicant authorizes it The card-issuing bank or relevant departments will investigate the relevant information and submit a statement of the authenticity of the information, the card-issuing bank's privacy protection policy, etc., and must have my signature;
The credit card application process is basically completed and waiting for the credit card to be issued.
Enter the card number, login password and verification code to enter the online banking page;
Click "Credit Card Service", you can choose to apply for a credit card under the credit card service page, fill in the information and submit, and review the progress , the result will be displayed on the online banking;
After passing the review, the credit card will be issued.
3. Counter application process:
Go to the bank branch where the credit card is processed, or ask the staff of the local bank’s credit card center to fill out the credit card application form. The content of the application form generally includes the applicant's name, basic information, financial status or source of income, guarantor and his/her basic information, etc.;
Submit certain copies of certificates and certificates to the card issuing bank;< /p>
After filling in the application form truthfully, you must submit relevant credit certificates together with the completed application form;
The application form is accompanied by a credit card use contract, and the applicant authorizes it The card-issuing bank or relevant departments will investigate the relevant information and submit a statement of the authenticity of the information, the card-issuing bank's privacy protection policy, etc., and must have my signature;
The credit card application process is basically completed and waiting for the credit card to be issued.
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