According to the credit card of China Bank, the general calculation method of the minimum repayment amount is: minimum repayment amount = consumption amount *P%+ cash withdrawal amount * 100%+ interest * 100%, in which the percentage of consumption amount (P%) can fluctuate between 5% and 20% according to the card usage, and it is generally 65438+ by default.
According to the above regulations of Bank of China, plus living and daily expenses, your monthly minimum repayment amount is roughly calculated as 15%, and the calculation result is: 300,000 *15% = 45,000 yuan. If you have 65,438+000,000,000 yuan in cash, you can support the 66-day minimum repayment plan. In general, the Bank of China can postpone it for one month according to the actual situation, so that you can get a 96-day respite. This is the repayment cycle of zero debt landing. If the credit card is recovered, the time and repayment amount are calculated separately.