For example, the repayment is 1 1,000 yuan, and the minimum repayment on the repayment date is 1 1,000 yuan. At this time, the user cannot enjoy the interest-free period of the credit card, that is to say, the interest is calculated from the day of consumption, and the interest generated on the repayment date is 10000×0.05%×45 days (from the date of consumption to the repayment date) =225 yuan. (10000- 1000) yuan × 0.05 %× 13 = 58.3 yuan, so if the minimum repayment of 10000 yuan is more than 200,000 yuan at will, the revolving interest will bear interest, and the longer it is delayed, the greater the interest amount will be.

Take ICBC as an example, repayment is made in installments, and interest is paid in the first installment: interest = installment balance × 12 installment rate (the integer part is based on ICBC's current preferential interest rate until the end of the year, 0.9% in the third installment, 0.8% in the sixth installment, 2.7% in the ninth installment, 3.6% in the first installment 12 installment. Interest = 10000×3.6%=360 yuan, in addition to the handling fee.

Quick-earning factory: 1 0,000 yuan can be repaid in advance after all the bills are swiped on the platform, and then repaid after consumption by the platform merchants until the current bill is paid off.

So is this reliable?

First of all, the quick money factory cooperates with the payment company, and the entity merchants brush the money. It is not a 1 brush 1 return mode, but a sum of money is brushed several times. The repayment cost is 654.38+100000, about 60 yuan.

In the quick-earning factory, the credit card is returned by the user's own savings card, and the card with the same name enters and exits. This industry is in a gray area, but we haven't heard any negative news yet.