After the credit card is divided into stages, you will see the credit line usage and repayment of the credit card in the credit report, and the usage line is equivalent to the credit card debt.

If the user fails to repay the loan on the repayment date, the overdue payment will be sent to the credit information system. Normal China Merchants Bank will have a three-day grace period. The minimum repayment amount is the minimum amount that needs to be repaid in the current month when revolving credit is used, and the minimum repayment amount is listed on the current bill.

The calculation method of the minimum repayment amount of each bill: the minimum repayment amount =65438+ 00% of all general transactions in the credit card account+65438+000% of all outstanding installment transactions in the account+65438+000% of the unpaid part of the minimum repayment amount in the previous period+65438+000% of all funds used in excess of the credit limit of the account+100.

Extended data:

Errors in personal credit reports can be reflected through three channels, requiring verification and correction.

First, I or entrust others to declare to the credit management department of the local branch of the People's Bank of China;

Second, it is directly reflected to the credit information center;

Three, you can entrust commercial banking institutions to directly reflect the wrong information.

If there is any dispute about the final processing result, I can apply to the Credit Information Center to add a personal statement to my credit report. If you think that the wrong information provided by the Credit Information Center has harmed your own interests and cannot be satisfactorily resolved after being reported to the Credit Information Center, you can also report it to the Credit Information Administration of the People's Bank of China, or bring a lawsuit to the court to safeguard your rights and interests through legal means.

Baidu Encyclopedia-China People's Bank Credit Information System