Optimal repayment amount: refers to the amount of credit card repayment paid off in full on the due repayment date. Payable amount refers to: bill payable amount+overdraft withdrawal transfer amount between billing date and repayment date-deposit amount between billing date and repayment date.

For example, the amount you should pay in the bill you received this month is 5000 yuan. Before the repayment date, you overdrawn 2,000 yuan and deposited 1 1,000 yuan that day. Optimal repayment amount = 5000 yuan +2000 yuan-1000 yuan = 6000 yuan.

It is best to repay directly at the counter of ICBC's branch.

Extended data:

1. Credit card overdue repayment bears high penalty interest.

After the credit card defaults, the liquidated damages usually involved are the revolving interest fee and the late payment fee. The essence of revolving credit is a small, unsecured loan with daily interest. If the repayment is not made in full on the last repayment date, revolving credit interest will be generated on the next statement, and the interest needs to be calculated from the date when the consumption is recorded.

If the cardholder fails to pay off the minimum repayment amount, in addition to the circulating interest charges, there will be a late payment fee, which is calculated at 5% of the unpaid part of the minimum repayment amount. If Miss Li only pays 500 yuan back, the late payment fee is (1000 yuan ~500 yuan) ×5%=25 yuan. In this case, the circulation interest expense will rise to 296.75 yuan, and Miss Li's total penalty interest this month is 3,265,438 yuan +0.75 yuan.

2. Legal disputes caused by overdue repayment of credit cards

Credit card violent collection has become a hot topic. Many credit card centers of banks outsource the collection of credit card repayment to some so-called "debt collection companies". The quality of these companies is mixed, and the methods of debt collection are rough, which brings great trouble to customers.

Not only that, the defaulting customer may also face legal disputes. According to the provisions of the Criminal Law, a credit card with a malicious overdraft of more than 5,000 yuan will not be repaid after three months of collection by the bank. If the circumstances are serious, criminal responsibility may also be investigated for fraud.

For defaulting customers, after entering the judicial process, it will not only affect their reputation, but also lose more costs. In addition to paying off the arrears, it is even worse to bear the litigation costs.

China Industrial and Commercial Bank-Introduction of Minimum/Optimal Credit Card Repayment?

Baidu encyclopedia-credit card repayment