1. How to get the minimum repayment amount of a credit card?

You don't need to apply for the minimum repayment amount of the credit card, you just need to make the minimum repayment amount on the repayment date. After receiving the cardholder's repayment amount, the bank will automatically identify whether it belongs to the minimum repayment amount according to whether the repayment amount is greater than or equal to the minimum repayment amount. However, it should be noted that if you use the minimum repayment amount, you will not be able to enjoy the interest-free discount and you will have to pay interest.

Second, how much should I pay for the minimum repayment of my credit card?

The minimum repayment amount of credit card is the repayment method provided by the bank to credit card users. When the cardholder cannot repay the arrears within the prescribed repayment period, he can repay the minimum repayment amount of the credit card. Generally speaking, the minimum repayment amount of a credit card is 10% of the total bill.

For example, if the current payable amount is 5,000 yuan, and the minimum repayment amount is around 500 yuan, it is not only 5% because the minimum repayment amount also includes other expenses such as handling fees. As long as the credit card user reaches the minimum repayment amount before the final repayment date, the bank will not regard the cardholder as overdue and personal credit will not leave a bad record.

Third, does the minimum repayment of credit cards affect credit?

The repayment of the minimum repayment amount will not affect personal credit, but after the repayment of the minimum repayment amount, the interest of 0.05% of the total monthly bill will be charged from the repayment date, and monthly compound interest will easily form a vicious circle. Long-term minimum repayment will lead to the accumulation of credit card debt, so when the cardholder applies for a loan, the bank will raise the loan interest rate because the cardholder's debt ratio is too high, or directly refuse the loan application.

Even if the minimum repayment amount is paid off, if there is a long-term minimum repayment record before, the bank will think that the cardholder has no repayment ability, which will also have a negative impact on the cardholder's loan.

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