Calculation method of minimum repayment amount of Bank of Communications credit card Minimum repayment amount = 10% general consumption balance+10% cash withdrawal balance+interest balance+installment consumption balance+other payable expenses balance+unpaid part of minimum repayment amount of Bank of Communications credit card generally includes the following aspects: consumption amount within credit line (including installment amount) × 10%+ credit card withdrawal. If the minimum repayment amount of Bank of Communications' credit card is less than 5 yuan (or 1 USD), it shall be calculated in 5 yuan (or 1 USD).
What does Bank of Communications mean by the minimum repayment for cash withdrawal by credit card?
The minimum repayment amount supported by Bank of Communications credit card is 65438+ 00% of the cash withdrawal amount.
The maximum daily withdrawal of a credit card is 2,000 yuan, and the handling fee of Bank of Communications credit card withdrawal is 1% of the transaction amount, and the minimum withdrawal is 10 yuan, with a daily interest of five ten thousandths.
If you take 6000, you can only take it in three times, one time is 2000, the handling fee is 202000, and the interest is 1 yuan.
The specific amount needs to be calculated according to the withdrawal time, billing date and actual repayment date. I'll give you a formula, and you can substitute it yourself.
65438+2000 1 October 23rd, the handling fee is 20 yuan, the daily interest is1yuan, the daily interest is 2000, the handling fee is 20 yuan, the daily interest is 2 yuan (1+ 1), the daily interest is 2000, the handling fee is 20 yuan, and the daily interest is 3 yuan, from. So on the 26th, the handling fee is 60 yuan, and the accumulated interest is 6 yuan. After that, the interest will be 3 yuan every day.
Your total debt =6000+60+6+3n(n is the number of days from 27th to billing date). Minimum down payment =600+60+6+3n. After deducting all expenses and interest, repay the principal of the arrears, and then recalculate the interest according to the remaining arrears.
According to about 30 days, the minimum down payment is about 600+60+6+90=756 yuan, so 700 is not enough. After repayment, you still owe about 5,500 yuan, and the minimum repayment amount for next month = 550+55,000.05% 30 = 550+2.7530 = 632.5, and then count down in turn.
There is no limit to the minimum repayment amount.
If you don't understand, please ask questions and hope to adopt them.
What is the minimum repayment amount of Bank of Communications credit card? How to charge interest?
The minimum repayment amount of the Bank of Communications credit card means that if the cardholder has difficulty in repaying all the payables before the due repayment date (inclusive), he can make repayment according to the minimum repayment amount stipulated by the issuing bank, but he cannot enjoy the interest-free repayment period. The minimum repayment amount is 65438+ 00% of the consumption amount plus other payables. The minimum repayment amount is listed on the current bill. The calculation formula of the minimum repayment amount of the Bank of Communications credit card is as follows:
Minimum repayment amount = 10% general consumption balance+10% cash withdrawal balance+interest balance+installment consumption balance+other payable expenses balance+unpaid part of the minimum repayment amount in the previous period.
If the minimum repayment amount of Bank of Communications' credit card is less than 5 yuan (or 1 USD), it shall be calculated in 5 yuan (or 1 USD).
What is the minimum repayment amount of Bank of Communications credit card?
Many cardholders who use the Bank of Communications credit card can't repay in full after the billing date comes out, so they can only repay according to the minimum repayment amount. However, according to this repayment method, they can't enjoy the interest-free period, and the minimum repayment amount is different according to the amount of consumption. Let's have a look.
1. What is the minimum repayment amount of Bank of Communications credit card?
The minimum repayment amount is the minimum amount that the bank stipulates that the monthly due repayment must be paid, which is shown on the bill of the month. If the cardholder fails to repay in full and on time, he can repay the minimum repayment amount on time at the last repayment, and the repayment of the minimum repayment amount will not affect personal credit.
Two. Calculation of minimum repayment amount of bank of communications credit card;
Minimum repayment amount = 10% general consumption balance+10% cash withdrawal balance+interest balance+installment consumption balance+other payable expenses balance+unpaid part of the minimum repayment amount in the previous period.
Note: quasi-credit card (multi-card) has no minimum repayment amount.
However, it should be noted that if the minimum repayment amount cannot enjoy the interest-free repayment period, interest will be charged on all consumption in the current period from the bookkeeping date (generally the day after consumption), with a daily interest rate of 0.5 ‰ until the bill is fully paid off.
take for example
Card friend Xiao Qi's Bank of Communications credit card bill date is 10 every month, and the due repayment date is 5th every month. She spent 1 000 yuan on September 30th. In the bill of 1 month, the "payable amount in this period" is 1 000 yuan, and the "minimum repayment amount" is 1 000 yuan.
If Xiao Qi only paid back 100 yuan according to the minimum repayment amount on 10 year/0 October 5, then the circulating interest on the bill of10 June 5 is RMB.
The specific calculation is as follows:
1000 yuan ××32 days (from March 30th to April 30th)
+( 1000 yuan-100 yuan) ××× 10 days (from May 1 to May 10) = yuan.
Can the Bank of Communications credit card use the minimum repayment amount?
The minimum repayment amount is controlled by the bank and cannot be set by itself. You can apply for the minimum repayment amount for credit card due repayment.
The specific credit card repayment period and liquidated damages are as follows:
If paid off in full, there will be no cost;
There is generally a three-day grace period after credit card repayment, and repayment within the grace period is regarded as timely repayment;
If the minimum repayment amount is paid, the daily interest needs to be calculated, starting from the consumption bookkeeping date;
If the repayment exceeds the grace period or the repayment amount is lower than the minimum repayment amount stipulated by the bank, the interest will be calculated from the bookkeeping date, and a late fee of 5% of the minimum repayment amount will be charged monthly;
The specific daily interest rate may vary with different credit cards.
How to calculate the minimum repayment amount of bank credit card;
The calculation rules of the minimum repayment amount of the bank are: 65438+ 00% of your consumption+65438+00% of your cash withdrawal+all interest of the current bill+all expenses of the bill (i.e. late payment fee, over-limit fee, etc.). )+the unpaid part of the minimum repayment amount on the previous bill, so the minimum repayment amount is not a fixed value, depending on the arrears;
Each bill will give the full repayment amount and the minimum repayment amount. Repayment will be made according to the bill amount. As long as there is no breach of contract, there will be no adverse impact on the credit record, but extra interest will be paid. Interest is calculated at the rate of 0.5 ‰ per day from the date when consumption is recorded. After each billing date, the interest will be recorded as compound interest, and it is recommended to repay it in full as soon as possible.
This concludes the introduction of whether the minimum repayment of traffic credit card and the minimum repayment interest of traffic credit card can be recovered. I wonder if you found the information you need from it?