1. If you had no debt last month, swiped 5,000 yuan on your card that month, and did not withdraw cash, then you must repay 5,000 yuan on the last repayment date specified by the bank, and no interest will be charged for the full repayment; if It cannot be repaid in full, and it must be repaid according to the minimum repayment amount. The minimum repayment amount is 10% of the total consumption amount in the current period (if there is any outstanding balance last month, interest payable, handling fees payable, etc. are added to all payables in the current period) The amount is then multiplied by 10%)

2. If you repay on the final repayment day the next month, the bank has already credited the interest of the 5,000 yuan you spent last month from the consumption date to the statement date. In this way, you can repay at 10% of the latest payable amount. Similarly, you can repay at the minimum repayment amount every month

3, but , remind you, repay according to the minimum repayment amount. For a sum of money to be paid off in full in 10 months, the final interest converted to annual interest rate is about 11%. Let me teach you a trick, only use the minimum repayment for one or two months. The amount will be paid off all at once, so that the interest burden will be reduced

4. In addition, let me tell you a good way. If your 5,000 yuan in the current month is used in the next 3 or 6 months It can only be paid off later. Then you can apply for "bill installment" from the bank for this large consumption amount, and pay off the consumption in 3, 6, 12, and 24 installments. The monthly handling fee is about 0.7%, which is equivalent to the annual interest rate. It’s less than 9%

5. If your baby has a credit card, he must learn to manage money and budget carefully! If you still don’t understand, call Guangfa customer service: 95508