Calculation method of minimum repayment amount:
1, minimum repayment amount =65438+ 000% unpaid part of the last minimum repayment amount+100% cash withdrawal transaction (including principal, fees and interest)+100% annual fee+100% principal of each installment business.
Handling fee and the resulting interest+10% of consumption principal+10% of expenses (excluding annual fees and cash withdrawal fees) (expenses: including liquidated damages, interest, loss reporting fees, damages, overrun fees, etc.). )
2. When the customer has paid the minimum repayment amount at one time, the minimum repayment amount = 100%, the unpaid part of the previous minimum repayment amount+100%, the annual fee+100%, and the cash withdrawal transaction (including principal, expenses and interest)+100.
Handling fee and interest arising therefrom +5% consumption principal +5% expenses (excluding annual fee and cash withdrawal fee) (expenses: including liquidated damages, interest, loss reporting fee, damages, over-limit fees, etc.). ).
The calculation method of credit card withdrawal interest is:
On the second day of the transaction (except for online shopping by stages through the bank's own merchants), interest is calculated from the accounting date to the repayment date (or not on the trading day), and the daily interest is five ten thousandths.
So if you repay the loan the next day, there will be no interest.
Extended data:
Cash withdrawal by credit card is one of the inherent functions of credit card itself. Cardholders can withdraw cash from the bank by credit card. Credit card withdrawal mainly includes overdraft withdrawal and overpayment withdrawal.
You need to pay interest for overdraft withdrawal, and the interest will be calculated from the day you withdraw, while you don't need to pay interest for overpayment withdrawal, but only need to pay part of the handling fee. ?
The overdraft withdrawal amount is set according to the cardholder's use of the card, and the maximum is not more than 50% of the cardholder's credit limit. The daily limit of ATM withdrawal is 2000 per person per card.
In addition to the withdrawal fee, domestic and foreign overdraft withdrawals must also pay interest, and some banks can enjoy interest-free treatment.
Overpayment cash withdrawal refers to the cardholder's withdrawal of the funds or overpayments stored in the card when repaying. Overpayment can automatically increase the available amount of the main card, but does not increase the available amount of the auxiliary card.
If it is necessary to increase the available amount of supplementary cards, cardholders should call the bank telephone service hotline to apply.
Overpayment cash withdrawal refers to the overpayment by credit card customers or the funds deposited in credit card accounts, and it takes some formalities to withdraw the overpayment. This amount can increase the available credit limit of the cardholder's credit card, or be directly used for consumer repayment.
If the credit card has overpayment, the overpayment shall be deducted first, and then the credit line shall be deducted. If the overpayment is greater than the consumption amount, there will be no overdraft.
Banking industry insiders pointed out that there are three main reasons for the rise in credit card risk:
First, because the credit card business itself is in a period of rapid growth, the balance of non-performing loans has increased synchronously with the substantial growth of credit card consumption and overdraft.
Secondly, due to the economic downturn, some industries closed down, laid off employees and reduced wages, which led to an increase in overdue credit card accounts and an increase in bad debt overdrafts.
Third, according to the relevant domestic policies, it is difficult to write off the non-performing loans of credit cards independently, which is one of the reasons why the balance of non-performing loans has increased year by year.
Baidu encyclopedia-cash withdrawal by credit card