After the minimum repayment amount of the credit card, the rest will be included in the next statement, and penalty interest will be charged. That's five tenths of the daily interest. Always receive next month's statement date, calculate the amount, and then include it in the statement. (You have paid the minimum payment of more than 500 points this month, and the remaining 1.300 will have to pay the daily interest of 1.300+ before the next repayment date. )

Minimum repayment amount:

It means that if the cardholder has difficulty in repaying before the final repayment date, he can repay according to the minimum repayment amount stipulated by the issuing bank, which will not affect his credit history, but he cannot enjoy the interest-free repayment period. The minimum repayment amount is 65438+ 00% of the consumption amount.

Extended data:

Influence of minimum repayment amount on credit card holders;

Credit cards that only pay the minimum repayment amount are not overdue and will not affect the credit history. The relevant contents are as follows:

1, the minimum repayment amount of each bank is different, which is generally about 10% of the bill amount; However, if the minimum repayment amount is not paid this month, the minimum repayment amount next month = the minimum repayment amount next month+the overdue fine payable this month+the minimum repayment amount this month (about 65438+ 00% of the total amount).

2. After the minimum repayment amount is paid, from the due date, five ten thousandths of the interest of the full billing date of the current month will be charged, and the monthly interest will be compounded, which is easy to form a vicious circle.

Generally speaking, the monthly bank credit card bill will be reminded by SMS or sent by paper bill. The bill will indicate: what is the minimum repayment amount or how much you can apply for installment payment.

You don't need to contact the bank to repay the minimum amount. As long as the amount deducted by the bank is greater than or equal to the minimum repayment amount, it will not be overdue, but interest will be charged as mentioned above.

5. Cash withdrawal can also pay the minimum repayment amount, but the cost of cash withdrawal by credit card is relatively high. In addition to the handling fee for cash withdrawal, interest shall be calculated at a rate of 5/10000 per day from the second day of cash withdrawal.

6. If the minimum repayment amount is paid, no bad record will be left. The bad record is only due to overdue, as long as the money is paid back every period.