At present, most credit cards provide over-limit credit card service. The central bank stipulates that if the credit line exceeds 10%, it can still be overdrawn as usual, but the excess will be charged. Moreover, if there is no timely repayment, if the amount exceeds the limit, interest late fees will still be charged. So, how can I return my credit card if I have finished it?

How can I return my credit card when I run out?

After credit card overdraft, different banks have different repayment rules. Some banks pay an overrun fee of 5% for the excess; Although some banks have an overrun fee of 5%, the minimum fee is 5 yuan RMB or US$ 65,438+0. Some banks also stipulate that the excess should be paid off in the latest repayment.

To put it simply, the amount to be repaid after using a credit card exceeds the limit is higher than the actual amount of credit card swiping, because credit card swiping will generate an over-limit fee, which is mainly calculated according to the over-limit limit. Generally, the overrun fee is charged at 5% of the overrun amount, and the minimum fee is RMB 5 yuan or USD 1 yuan. In addition, most banks also stipulate that cardholders cannot enjoy interest-free concessions if they overdraw. That is to say, if the repayment is made within the time stipulated by the bank, you don't have to pay the overdraft interest of the credit card, but you can't enjoy this discount for the part that is overdrawn, and you must pay five ten thousandths of the daily interest.

The best solution is to pay back the money owed to the bank as soon as possible so that your future consumption will not be affected. If you don't pay it back, the bank may blacklist you. Moreover, the best repayment method is to pay off all the excess debts at one time, and the remaining debts can choose to pay the minimum debt first.