The CITIC credit card is overdue for 12,700 yuan, and the bank has reported it. Can I pay the minimum repayment?

You have already reported the crime, and you cannot make the minimum repayment. It is accelerated. You must repay the loan in full, and you have more than 2 months to pay it back. Pay it back quickly. . Can I repay the minimum payment amount after the CITIC credit card is overdue?

After the credit card is overdue, the bank will usually require a one-time repayment.

If the credit card cannot be paid off temporarily, you should apply before the repayment date Repay in installments or choose to pay the minimum payment

The impact of an overdue credit card:

1. Producing a bad credit record;

2. Generating interest: the daily interest rate is 0.05%, calculated from the date of consumption;

3. Late payment fee: 5% of the unpaid portion of the minimum repayment will be charged as a late payment fee, calculated on a monthly basis; CITIC Credit Card Minimum Repayment Amount

There is no interest in this month's bill. The interest will be charged in the next bill. The interest is 0.05% per day, 1925.33*0.0005 = 9.6 cents per day, which is less than 30 yuan per month.

Hello, poster

Of course, the full credit limit will not be restored

The credit limit will be restored as much as you have paid back

You can Check the available balance

You can also call customer service to confirm

Only pay the minimum, and there will be interest of 0.5% per day until the full amount is paid

The bank will not suffer a loss, you will

Try to pay it off in full

I wish you all the best

Minimum repayment amount It means that if the cardholder has difficulty repaying all the amount payable before the due repayment date (inclusive), he can repay according to the minimum repayment amount stipulated by the card issuer, but he cannot enjoy the interest-free repayment period and the minimum repayment The amount is 10% of the consumption amount plus other various payables. The minimum payment is listed on the current bill.

Minimum repayment amount = 10% of the unpaid consumption amount within the credit limit + 100% of the cash advance transaction amount + 100% of the unpaid part of the previous minimum repayment amount + consumption amount exceeding the credit limit 100% + 100% of fees and interest

Currently, in the above formula, some banks use a minimum repayment rate of 10% for cash advances.

Before the due payment date If you pay the "minimum repayment amount", the interest will still be calculated, but it will not affect your personal credit. There are no minimum repayments for cash advances. Does my credit report show that the minimum monthly payment for CITIC Credit Card is overdue?

CITIC Bank credit cards are repaid every month according to the minimum repayment amount shown on the bill. The credit record will not be shown as overdue. The unpaid amount of the bill for the minimum repayment will be repaid next. It must be paid in full on the day, otherwise it will be overdue. The CITIC credit card is overdue, and the total amount owed is 2,200 yuan. Funds are a little tight. The bank has called me for payment. Can I pay the minimum repayment amount first?

The main legal consequences of non-repayment of credit card debts are: 1. High overdue interest will be incurred. 2. The bank will sue you in court, and you will incur economic losses such as litigation costs and attorney fees. 3. An individual will have a bad credit record, which will have an impact on future bank cards and loans. 4. If the amount owed exceeds 10,000 yuan, it constitutes a crime of credit card fraud and will be investigated for criminal liability. Article 196 of the "Criminal Law" The crime of credit card fraud falls under any of the following circumstances. If the amount of credit card fraud is relatively large, he shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall also be fined not less than 20,000 yuan but not more than 200,000 yuan. ; If the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than five years but not more than ten years, and a fine of not less than 50,000 yuan but not more than 500,000 yuan; if the amount is particularly huge or there are other particularly serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than five years but not more than ten years. Or life imprisonment, and a fine of not less than 50,000 yuan but not more than 500,000 yuan, or confiscation of property. If the CITIC Credit Card cannot be repaid in installments, is it okay to repay according to the minimum payment amount?

For this kind of problem, it is best to call the credit card issuing bank directly. They know their policies best. Different banks have different policies, and policies implemented by other banks may not necessarily apply to CITIC Bank.

Check the minimum repayment amount of CITIC Credit Card

To check the minimum repayment amount,

1. Pay attention to the WeChat bill reminder on the third day of the bill.

2. Log in to the official WeChat account of CITIC Bank Credit Card or "CITIC Bank Credit Card"

3. Download CITIC Bank Credit Exclusive APP - Dynamic Card Space CITIC Credit Card has frozen the minimum repayment you just paid Is it OK?

If it is possible, it at least represents your willingness to repay