1. Repay the minimum repayment amount. The minimum repayment amount is generally 10% of the current bill amount. If the bill amount is 1,000 yuan, then as long as you repay 100 yuan, it will not be overdue, nor will it be overdue. It affects personal credit. Although this repayment method can solve the temporary repayment dilemma, it is not a long-term solution after all. The Bank of Communications credit card minimum repayment service is not free. As long as you choose the minimum repayment, the consumption in the current bill will no longer enjoy the interest-free period, and the bank will charge an interest of 0.05% from the date of consumption. .
2. Choose installment repayment. If you cannot pay off the debt in a short period of time, you can choose to repay in installments. Although the bank claims that installments are interest-free, the installment handling fees are still charged. Yes, and the longer the period you choose, the higher the handling fee will be, but this is also the best way to avoid affecting your personal credit record.
3. Apply to change the bill date. Bank of Communications allows you to change the bill date. If you are just short of funds and don’t want to pay more bank interest, then updating the bill date can be said to be the best choice. , the monthly billing date of the Bank of Communications credit card is generated with the system. Users have only one chance to modify it within the validity period. If you want to modify it, you can use the reserved mobile phone number to call the Bank of Communications credit card customer service hotline 400-800-9888. Manual service modifications. What I want to remind everyone here is that if the cardholder changes the billing date, the corresponding repayment date will also be changed. After the modification is successful, it will generally take effect from the next issue.
Summary: Although maxing out the Bank of Communications credit card can be repaid in the above three ways to ease the repayment pressure without affecting your credit, when using credit cards, it is best to consume rationally according to your own ability. Avoid becoming a card slave.