2. Generally, the minimum repayment amount is 65438+ 00% of the consumption amount and other payables, and the proportion of the minimum repayment amount varies from bank to bank. The repayment amount will be listed on the current bill of the credit card, and its calculation method is "65438+ 00% of the consumption amount within the credit line+65438+000% of the cash advance transaction amount+65438+000% of the unpaid part of the previous minimum repayment amount+/kloc-0% of the consumption amount exceeding the credit line+/kloc-0 of the expenses and interest".
For example, suppose a credit card holder has no arrears in the early stage, the billing date of each month is 25th, and the repayment due date of the next month is 13. It spent a total of 15000 yuan on February 00, 65438. Therefore, in the statement of February 25, 65438, the cardholder's "payable amount in this period" was 15000 yuan, and the "minimum repayment amount" was 1500 yuan. If the cardholder is temporarily unable to pay15,000 yuan for repayment, he decides to use the minimum repayment method to help himself by stages, and make repayment according to the minimum repayment amount 1500 yuan on June 65438+June 654381March 3. Then, according to the current minimum repayment interest method of the bank (market area), the cardholder's circulating interest in the statement of 65438+1October 25th is: 15000 yuan ×0.05%×34 days (from 65438+February 10 to 65438+. This 336 yuan is the interest that the cardholder needs to repay this month. If the cardholder still uses the minimum repayment method for installment next month, then this 336 yuan will also be included in the principal for cyclic calculation. In other words, if the cardholder chooses the minimum repayment amount, he will no longer enjoy the interest-free period of 20~50 days, and he will have to bear the daily interest of 0.5 ‰ and repay with compound interest on a monthly basis.