At the same time, if it is not convenient for the landlord to repay in full, you can repay the minimum amount on the due date, so that the bank will not count you as overdue and there will be no bad credit record. But the minimum repayment amount still needs to be paid. Your credit card consumption and withdrawal should start from the day when you swipe your card or withdraw cash, and charge 0.05% interest every day.
For example, suppose the landlord's billing date is 5th of each month, and the due repayment date is 20th of the billing date, that is, 25th of each month.
Spending 5,600 yuan on 5/6 credit card, no other transaction after that, 6/5 checkout, total bill = 8,000 yuan.
Minimum repayment amount = 65438+ 00% of accumulated unpaid consumption = 8000 *10% = 800 yuan.
On the due repayment date of 6/25, the "minimum repayment amount" will be returned to 800 yuan.
7/5 bill settlement, total bill = unpaid part of previous bill+consumer interest.
=8000-800+8000*0.05%*50 (interest-bearing time: 5/6/25, 50 days in total) +7200*0.05%* 10 (interest-bearing time: 6/25-7 since returning to 800 yuan on June 25th).
=7200+200+36
=7436 yuan (including interest of 436 yuan)
Minimum repayment amount = 65438+ 00% of accumulated unpaid consumption+consumer interest = 7200 *10%+436 = 720+436 =1156 yuan.
Due date of repayment is July 25th.
The above simply demonstrated the calculation method of the minimum repayment amount and interest to the landlord. Actually, it should be based on the bill given to you by the bank ~
If the landlord has other questions, you can ask.