1, where the total principal refers to your consumption amount, that is, 3000 yuan; The reason why there is such a statement of full principal is that when you pay off the first installment, you actually only owe the bank 2,500 yuan, but the bank still charges 0.78% of the 3,000 yuan. The overlord clause of the bank, there is no way, all banks are so stipulated;

2. The late payment fee is 0.05% of the difference between your repayment amount and the minimum repayment amount in this period; For example, if you have to pay back 500 yuan at least in this issue, and you only pay back 400 yuan, then the difference is 100 yuan, and 0.05% is 50 cents, not as much as you said; (Note that it is the difference with the minimum repayment amount, not the difference with the payable amount; For example, if you want to pay back 5,000 yuan in this period, the minimum repayment amount is 500 yuan, because the minimum repayment amount is 10%, and you only paid back 400 yuan, only according to 100 instead of 0.05% of 4,600. )

3. No late fee will be charged for one day overdue. At present, the CBRC stipulates that repayment will generally be made two or three days after the final repayment date, which is considered as timely repayment. This is called tolerance.