The minimum monthly repayment amount for 10W should be 1W. If you charge 5 yuan interest on 10,000 yuan every day, and 50 yuan interest on 100,000 yuan per day; if you apply for installment payment, you can only apply before paying the bill. The installment payment fees of each bank are different.

1. What are the specific reasons for credit card overdraft? First of all, the credit card overdraft limit applied for should be appropriate. It is generally recommended that a cardholder’s credit card overdraft limit is limited to his or her income for two months. Secondly, credit card overdraft consumption should be based on credit card. Use credit cards carefully to withdraw cash and pay them back promptly. For overdraft withdrawals, the bank can calculate interest at an interest rate of 0.05% per day. In addition, if the user fails to repay the loan for a month, the bank can also calculate and charge compound interest. Third, pay attention to the "full penalty interest" clause in the "Credit Card Collection Contract". If the cardholder only pays the full amount when repaying the credit card, since the amount of "a few cents" is very small, high penalty interest will be incurred, because most banks stipulate that if there is an overdue balance, the penalty interest will be based on the total overdraft amount. calculate.

2. After a credit card overdraft, it is best to repay it within the interest-free period. So how to repay the most convenient and economical loan? Many people think that credit card repayments are troublesome. In addition to the most basic over-the-counter repayments and automatic deposit machine deposits, Internet and telephone transfers can also be used for repayment without leaving home; automatic repayment from China's Ping An One Yuan account is more convenient. China Ping An Energy Account can manage multiple bank accounts at the same time and set up automatic repayment accounts. You don’t have to worry about your daily repayment schedule. As long as the balance on the card is sufficient, you don't have to worry about forgetting to repay.

3. The interest-free period should be used wisely when using credit card overdrafts. Currently, the interest-free period for commercial bank credit cards ranges from 20 to 50 days. Consumers should pay attention to the bank's statement date and repayment date before making overdraft purchases on their credit cards, and calculate the repayment time.

4. Failure to repay a credit card overdraft may lead to the following consequences: full penalty interest and high debt; no home loan and car loan; bank collection, which is very annoying; malicious overdraft, which violates the criminal law.