After the credit card purchases goods on platforms such as Taobao or JD.COM, will the consumption amount be included in the bill after the receipt is confirmed, or will it be directly included in the bill? directly charged to the bill. It should be noted that although credit card installment repayment and minimum repayment can temporarily relieve the pressure, they will also generate corresponding expenses and interest. Among them, repayment according to the minimum repayment amount will generate credit card interest; The installment payment does not count interest, but the credit card issuer has to charge a certain handling fee. The handling fee varies according to the number of installments, and the single installment rate ranges from .55% to 1.2%. In addition, according to the regulations of some banks, if the installment business is handled, even if the repayment is made in advance, the subsequent handling fee will also be paid.

so, how should consumers reasonably choose the installment repayment method or the minimum repayment method of credit cards to avoid overdue credit cards?

In this regard, insiders suggest that if the consumption amount is not particularly high and can be repaid in a short period of time, the minimum repayment amount can be given priority. At this time, the unpaid part will no longer enjoy the interest-free period, and will charge five ten thousandths of interest every day from the date when the consumption is recorded, and the monthly compound interest will be calculated, which is more flexible than installment repayment.

some consumers think that the credit card payment method is chosen when purchasing the returned goods, so after applying for a refund, the credit card consumption amount does not need to be returned. However, this is not necessarily the case.

"Whether the refund occurs before or after the bill date is the key to decide whether the credit card spending can be deducted." Some insiders pointed out that there may be a certain time difference because merchants generally need to refund the returned goods after receiving them and confirming them. In this case, if it is a refund received before the billing date, this consumption can be deducted; However, if it arrives after the billing date, it may not be able to deduct the repayment of the current month, and it can only be included in the next month's bill as the overpayment of the credit card.

At present, some banks stipulate that the refund recorded after the billing date and before the repayment date can also be regarded as the latest installment of bill repayment. Consumers are advised to call the issuing bank to confirm whether the repayment can be offset.

Use the card safely to avoid capital loss:

During the promotion of e-commerce, consumers use "online transactions" frequently, and the associated risks also increase. If the bank card information is stolen, the chip is copied, and the password is leaked, it may cause certain financial losses.

In this regard, industry insiders reminded that during the consumption process, cardholders should properly keep personal identification information, card password, three-digit signature column on the back of the card, mobile phone dynamic verification code and other information. Be wary of strange numbers, strange links and strange accounts, so as not to trust, disclose or transfer money.