1. Calculation method of overdue interest of credit card:
The calculation of credit card overdue interest will be determined according to the number of overdue days, usually calculated on a daily basis. The specific calculation method of each bank may be slightly different, but it is generally based on the overdue amount. According to the overdue interest rate of the credit card, multiply the overdue amount by the overdue days, and then calculate the specific overdue interest according to the daily overdue interest rate.
2. The influence of overdue amount and overdue days:
The overdue amount refers to the outstanding credit card bill, and the overdue days refer to the overdue days calculated from the last repayment period. The higher the overdue amount, the longer the overdue days, and the overdue interest will increase accordingly. However, the amount of 15000 yuan has to pay overdue interest of 2000 to 3000 yuan, which is far beyond the normal range, and there may be other reasons.
3. Other possible factors:
Besides the overdue amount and days, there are other factors that may affect the amount of overdue interest. If there are extra fees such as late payment, penalty interest and handling fee, overdue interest may increase. At the same time, personal credit records and repayment records will also have an impact on the calculation method of banks.
To sum up, it is not normal to pay overdue interest of two or three thousand yuan a month when the credit card limit is 15 thousand. Usually, overdue interest is calculated according to overdue amount and overdue days, and it will be affected by other factors. If this happens, it is recommended to contact the bank in time to find out the specific reasons and relevant policies and expenses.
Extended data:
Overdue credit cards will have a negative impact on personal credit records, and overdue interest will be calculated by the bank according to the contract. Therefore, when using credit cards, it is recommended to plan consumption reasonably and repay on time to avoid overdue. If there is any overdue situation, you should communicate with the bank in time to repay the arrears as soon as possible to reduce the generation of overdue interest. At the same time, you can also understand the relevant regulations and charging details of credit cards, so as to avoid extra expenses caused by not knowing the regulations.
The above is the answer to whether it is normal for a credit card with a limit of 15 thousand to charge interest of two or three thousand yuan a month overdue. According to the conventional situation, such interest is on the high side and may be affected by other factors. Please contact the bank in time to verify and understand the relevant laws and policies to protect your rights and interests.