The landlord swiped the card for 654.38+million yuan, which was inconvenient for full repayment at one time. You can choose the minimum repayment amount. The general minimum repayment amount is about 10% of the bill amount. In the first month, 65,438+10,000 yuan is the minimum repayment amount 1 10,000 yuan, but the minimum interest is 0.05% per day from the date when the landlord swipes the card, 50 yuan/day. Suppose the landlord swipes the card one day after the bill date, spending 654.38 million yuan, which takes 30 days to the second bill date and 20 days from the bill date to the due repayment date, adding up to 50 days. During the period, the interest is calculated according to the principal of 6,543,800 yuan, and a total of 2,500 yuan (50 yuan/day *50 days) is charged. The repayment date is still 1 10,000, and the remaining 90,000 yuan is due. Every day in 45 yuan (90,000 * 0.05%), the interest in the second month is almost 1.350 yuan. In fact, this calculation is quite high. It will cost about 18%(0.05% * 365) a year, and 1 000 yuan will cost 1 000 yuan.

In this case, I still suggest that you can make a consumption installment (that is, the installment in which the landlord's single credit card exceeds 1000 yuan, which should be done two days before the bill date), and calculate the annual 12 installment, with a handling fee of 0.6% for each installment, which is almost 100000 * 0.6% = 600 yuan. The landlord can think about it ~ ~