If the cardholder does not have enough funds to repay, he can take the initiative to contact the bank to explain that this is not the case, show a strong desire to repay, apply for installment repayment or deferred repayment, and make a detailed repayment plan. This will not be recorded in bad credit records, nor will it affect personal credit information.
The minimum repayment amount means that if the cardholder has difficulty in repaying all the payables before the due repayment date (inclusive), he can repay according to the minimum repayment amount stipulated by the issuing bank, but he cannot enjoy the interest-free repayment period. The minimum repayment amount is 65438+ 00% of the consumption amount plus other payables. The minimum repayment amount is listed on the current bill.
In order to improve the market-oriented mechanism of credit card business, meet the growing demand of the public for credit card payment, improve the quality of credit card service and promote the healthy and sustainable development of the credit card market, the People's Bank of China recently issued the Notice of the People's Bank of China on Credit Card Business (hereinafter referred to as the Notice), which came into effect on 20 17 1.
After the credit card is spent, you will receive the bank statement on the billing date. There are two quantities, which we should write down. One is the amount payable in this period, and the other is the minimum repayment amount. In fact, this is also a major advantage of credit cards. Once you spend your credit card, which is beyond your repayment range, you can choose the minimum repayment amount, so that your personal credit will not be affected. But that means you can't enjoy the interest-free period any more.
Credit card refers to various media that record the relevant information of the cardholder's account, have the function of bank credit line and overdraft, and provide relevant banking services for the cardholder.
The main features of credit cards:
1. Credit card is one of the fastest-growing financial services, and it can replace the traditional cash circulation in a certain range.
2. Credit card has both payment and credit functions. Cardholders can use it to buy goods or enjoy services, and they can also use credit cards to obtain certain loans from card issuers;
Credit card is a high-tech product integrating financial business and computer technology.
4. Credit cards can reduce the use of cash and currency;
5. Credit card can provide settlement service, which is convenient for shopping and consumption and enhances the sense of security;
6. Credit cards can simplify the collection procedures and save social labor;
7. Credit cards can promote commodity sales and stimulate social demand.