Two: after the cardholder's credit card is overdue, the late payment fee will be replaced by liquidated damages. The specific amount of liquidated damages is 5% of the minimum repayment amount to prevent interest from rolling.
Third, after the cardholder's credit card is overdue, he can negotiate with the bank for a maximum interest-free period of 60 days. Each bank has different requirements for interest-free, and cardholders can consult the bank for details.
Four: after the cardholder withdraws cash from the credit card, the amount withdrawn in the current month is included in the minimum repayment amount of this month's bill and must be paid off in one lump sum, otherwise the credit card will be overdue.
Five: The CBRC clearly stipulates that cardholders who are willing to repay but whose credit card debt exceeds their repayment ability can negotiate with the bank to reach a personalized installment repayment agreement. The longest term of personalized installment repayment agreement is 5 years, which can be divided into 60 installments.
Precautions for credit card use:
1. Pay attention to two dates: bookkeeping date and repayment date.
Generally, the repayment date is 20 or 25 days after the bill date, with the longest interest-free period and the shortest interest-free period.
2. Credit card information protection.
The three key information on the face of a credit card: card number, expiration date and CVV code, affect your card security, especially CVV code, which is as important as password. It is recommended to cover CVV code with correction fluid or sticker, and some people are even worse. Scrape off the CVV password with a blade and remember these three numbers.
3. Diligently handle credit cards, in order to avoid annual fees; Only when the repayment is made on time can the amount be withdrawn.
Generally, you can avoid the annual fee by swiping your card six times. So be sure to pay the annual fee. In addition, we can increase the credit card limit by swiping more cards and swiping frequently. At the same time, being able to repay on time and maintain a good credit record is also a way to improve the credit limit. Moreover, in 2022, mobile POS card-free payment is also very convenient, which belongs to online consumption. Combined with daily offline consumption, a variety of combinations are used.
4. Choose the repayment method that suits you best.
In this information age, repayment methods are diversified, and you don't have to go to bank outlets or ATM to transfer repayment.
5. If the cash flow is not good, or the repayment is delayed due to something, you can call customer service to apply for deferred repayment.
If your funds can't be turned over temporarily, or you are delayed in repayment due to something, don't worry, call the bank customer service immediately and apply for a one-to-three-day delay in repayment.