With a credit card loan of about 6, yuan, the minimum repayment is made every month. How much is the interest after repayment?
1. Generally, the minimum repayment is one tenth of the credit card amount, so take 6, yuan. The minimum repayment is 6, yuan, but your interest is nearly 8 yuan a month. There is no minimum repayment for cash withdrawal by credit card. Interest is calculated from the date of cash withdrawal, with a daily interest rate of 5/1, and the converted annual interest rate is 18%, and the monthly compound interest is calculated.
second, there are three ways to repay credit cards, one-time repayment, installment repayment, minimum repayment, one-time repayment is the most cost-effective, and no interest needs to be paid. The installment repayment interest rate is low, and the minimum repayment is the least cost-effective, and the interest rate is relatively high. In addition, the minimum repayment is shown in the credit record, and the response is that the financial situation of the repayment person is not very good.
Third, credit card loans are usually There is no interest on credit card cash installment, but only the handling fee. The handling fee rates of common banks are as follows:
1. ICBC credit card installment rate: no handling fee for three installments, 1.8% for six installments, 2.7% for nine installments, 3.6% for 12 installments, 5.85% for 18 installments and 15.6% for 24 installments (one-time charge);
2. installment interest rate of ABC's credit card: .6% per month (charged every month);
3. installment interest rate of BOC's credit card: 1.95% for 3 installments, 3.6% for 6 installments, 5.4% for 9 installments, 7.5% for 12 installments, 11.7% for 18 installments and 15% for 24 installments (one-time charge);
4. installment interest rate of CCB credit card: .7% for the third installment, .6% for the sixth installment and 12 installment (charged every month);
5. The installment interest rate of CITIC Bank's credit card: 2.5% for the 12th installment (charged every month);
6. installment interest rate of Pudong Development Credit Card: .72% for the 3rd installment, .7% for the 6th installment and .66% for the 12th installment (charged every month);
7. Installment fee of China Merchants Bank's credit card: 2.6% for the 3rd installment, 4.2% for the 6th installment and 7.2% for the 12th installment (charged every month);
8. installment interest rate of bank of communications credit card: .72% per month (charged every month);
9. The installment interest rate of Guangfa Credit Card: .65% for the 6th installment and 12th installment, .7% for the 18th installment and .72% for the 24th installment (charged every month);
1. installment interest rate of everbright credit card: apply for installment repayment before consumption, with 12-month installment, and charge .5% every month; There are 3 installments, 6 installments, 9 installments and 12 installments, and the handling fees are 2%, 4%, 5% and 6% respectively (one-time charge).
how much is the Agricultural Bank credit card with 6, yuan divided into 24 installments?
if you use the credit card of ABC to spend 6, yuan, you can repay it in 24 installments. The monthly repayment is 2,98 yuan. The installment fee is calculated directly without interest, and the fee is .6%. After the monthly bill comes out, the monthly fee will be charged together.
There are two main situations in the calculation of credit card interest:
1. Cash withdrawal interest:
After using a credit card to withdraw cash, the bank will levy cash withdrawal interest on the cash withdrawal part, with a daily interest rate of four ten thousandths. The calculation formula is: Cash withdrawal interest = .5% days of cash withdrawal part.
2. Minimum repayment interest:
After applying for the minimum repayment amount, the bank will levy the minimum repayment interest on the remaining unpaid portion, and the daily interest rate is also four ten thousandths. The calculation formula is: minimum repayment interest = .5% days of the minimum repayment portion.
Extended information
The word "credit card" was originally intended to refer to this financial product introduced in this post, but savings cards without credit cards or even any credit card function were popular in China. Therefore, the real credit card can only be called "credit card". Real credit cards have the following characteristics: cash is not allowed to be pre-deposited, consumption is followed by repayment, interest-free payment period can be enjoyed, repayment can be made by installments (with minimum repayment amount), and international credit card organizations such as VISA, MASTER and JCB can be joined for global use.
in the 196s, credit cards sprouted and developed rapidly in developed countries in Europe and America, such as the United States, Canada and Britain. After more than 5 years of development, credit cards have been widely accepted in more than 95% countries around the world. In 198s, with the development of reform and opening up and market economy, credit cards, as electronic and modern consumer financial payment tools, began to enter China, and in the past decade, they have made great strides.
China's credit card market is still one of the fastest-growing product lines in China's personal financial services market. Although the economic benefits of the industry are full of challenges, the average annual growth rate of credit card issuance in China will remain at around 14% in the next 1 years, driven by economies of scale and the growth of consumer spending.
Hello, I can't pay off my credit card debt of 6w now. What should I do? It's overdue for more than 4 months.
The cardholder's credit card is frozen because of failure to repay on time or multiple cashing. Usually, just call the credit card customer service center to explain the situation and unfreeze it. If the overdue situation is not serious, as long as the credit card center confirms that you have paid off your debt, it will unfreeze it for you immediately. After unfreezing, your credit card can be used.
as for the handling of personal bad credit records, according to the regulations of the central bank, the longest retention period of bad credit records is 5 years, but only the credit card and 24-month records will be shown in the personal credit report. It is suggested that the card should be kept in the active state for at least 2 years after activation, so as to avoid the negative impact of bad credit records on the application for credit cards or personal loans in the future.
how much can Ping An Credit Card with a 6w limit apply for again after cancellation?
The probability is still 6W.
The re-application amount of Ping An Credit Card after cancellation can be mainly divided into the following three situations:
1. The card is successfully approved, and the application amount is the same as before
If the information submitted is exactly the same as the previous application information, if the current credit standing has not changed, if the card is successfully approved, the amount will be 9% the same as the previous card amount.
2. The credit card was successfully approved, and the amount was lower than before.
The credit card may be cancelled before applying, and the amount may be lower. Because even if the bank can approve the card, the bank will take into account that you have cancelled the credit card before, and will not issue a credit card with too high a quota, but the card approval quota will be lower.
3. You can't get off the card after cancellation, and you can't apply for the credit line.
It is also a problem whether you can get off the card after cancellation. Less than 7% of the credit cards can be successfully approved. There are two main reasons for rejection. First, the bank is afraid that the applicant will be suspected of using the card maliciously after applying; Second, the bank is afraid that the applicant will cancel the card soon after the card is approved, and directly refuses to reduce the waste cost.
The introduction of 6w credit card and 36th issue of 6w credit card is over. Did you find the information you need from it?