Extended data:
1. Take the credit card of China Construction Bank as an example, let's talk about some charging and repayment problems of credit cards.
Our common credit card has two kinds of consumption, one is credit card consumption and the other is cash withdrawal. There is no handling fee for credit card overdraft consumption of CCB, and the interest is calculated at 0.5 ‰ of the overdraft handling fee every day, and the compound interest is calculated monthly. Ccb credit card charging standard (annual fee): 1, ordinary credit card to 80 yuan; 2. Gold card per year 160 yuan; 3. swipe your card (including ordinary card and gold card) for three times, the amount is unlimited, and you can avoid the annual fee.
CCB credit card overdraft enjoys an interest-free repayment period, with a minimum of 20 days and a maximum of 50 days. However, if there is no interest-free repayment period for overdraft cash withdrawal, it shall be calculated from the date when the cardholder overdraws, and interest shall be charged at the rate of 0.5 ‰ per day and compound interest on a monthly basis. Until repayment, the overdraft withdrawal amount is 50% of the credit limit.
2. What is malicious overdraft?
This problem is really complicated. Speaking of malicious overdraft, the main question is about credit card overdraft. I don't know how the subject can owe 6.5438+0.4 million in eight banks, that is, the credit card overdraft of each bank is about 6.5438+0.8 million. It is understood that every bank will investigate the applicant's credit and assets when issuing credit cards.
And will give a certain overdraft limit according to the credit situation. If it exceeds the limit, it can't be used anymore. Under normal circumstances, people who can apply for an overdraft limit of 654.38+10,000 yuan in the bank are all people with good credit.
References:
Baidu encyclopedia-overdraft limit