1. The remaining interest on the credit card

If you only pay half of the credit card, the remaining half will be calculated according to the overdue interest. For example, your current bill is 2,000 yuan, but on the repayment date If you only repaid 1,000 yuan before, then the remaining 1,000 yuan becomes overdue repayment, and interest will be charged at 50,000 yuan per day from the day the card is swiped until you pay off the 1,000 yuan. The remaining 1,000 will be charged interest based on 50,000 per day (1,000*0.05% = 0.5 yuan/day), and the interest will be settled uniformly on the monthly bill. The interest rate for overdue credit cards is not low, so it is not recommended to be overdue. If you cannot repay the full amount after the current bill is settled, then at least the minimum repayment is required. This will not affect your personal credit card record and is not considered overdue. . If your credit card is overdue as a last resort, it is recommended to pay it off as soon as possible to reduce interest and mitigate the consequences. The credit limit in the credit card can be used multiple times, and the used limit can also be repaid in multiple installments, as long as it is paid off before the repayment date.

2. Interest

Half of the credit card has been repaid, and all consumption amounts in the current period will be accrued with interest at a daily interest rate of 5/10,000 from the recording date until the user repays the remaining balance. Until half. For example, if the bill amount is 5,000 yuan and the user only repays 2,500 yuan, the system will calculate interest from the recording date of the 5,000 yuan consumption until the user pays off the remaining balance.

: A credit card, also called a credit card, is a credit certificate issued by a commercial bank or credit card company to consumers with qualified credit.

1. Credit card

It is a card with the name of the issuing bank, validity period, number, cardholder name and other contents printed on the front, and a magnetic stripe and signature strip on the back. Consumers holding credit cards can shop or consume at specially designated commercial service departments, and then the bank will settle the accounts with merchants and cardholders. Cardholders can overdraft within the prescribed limit.

2. Credit card consumption

It is a non-cash transaction payment method. There is no need to pay cash when consumption, and repayment will be made on the billing date. Credit cards are divided into credit cards and quasi-credit cards. A credit card refers to a credit card in which the cardholder has a certain credit limit and can consume within the credit limit and then repay; a quasi-credit card refers to a credit card in which the cardholder can A quasi-credit card that deposits a certain amount of reserve fund and can be overdrafted within the specified credit limit when the reserve account balance is insufficient for payment. The so-called credit card generally refers to a credit card only. Starting from January 1, 2021, credit card overdraft interest rates will be determined independently by card issuers and cardholders through independent negotiation, and the upper and lower limit management of credit card overdraft interest rates will be cancelled. 0.7 times)