As long as the repayment is made according to the minimum amount before the due repayment date, there will be no late payment fee and personal credit will not be affected. Please rest assured. However, it will generate cyclic interest. All consumption in the current period starts to bear interest from the bookkeeping date (usually the day after consumption), and the daily interest rate is five ten thousandths until you pay it off in full. ?

Handling fee per installment = total installment amount × handling fee rate per installment. The minimum handling fee for each installment is 5 yuan, 0.9% for the third installment, 0.75% for the sixth installment, 0.70% for 10 installment, 0.66% for 12 installment, 0.68% for 18 installment and 0.68% for the 24th installment. Whether the bill installment application is approved or not shall be subject to the comprehensive evaluation results of our credit card center.

Credit card overdraft skills

1. It is appropriate to apply for credit card overdraft limit. It is suggested that the cardholder's credit card overdraft limit is limited to his two-month income.

2. Credit card overdraft consumption should be mainly based on credit cards. Carefully withdraw cash by credit card, and repay it on time after withdrawal. For overdraft withdrawal, the bank charges interest at the daily interest rate of 0.5%, and if the user fails to repay the loan for one month, the bank can also calculate compound interest.

3. Pay attention to the "full penalty interest" clause in the credit card collection contract. If the cardholder only pays back the whole number when returning the credit card, there will be a lot of penalty interest because the amount of "a few cents" is very small, because most banks stipulate that if overdue debts occur, the penalty interest will be calculated according to the total overdraft.

4. Credit card overdraft consumption should use interest-free period skillfully. At present, the interest-free period of credit cards in banks is between 20 days and 50 days. Consumers should pay attention to the bank's billing date and repayment date and calculate their credit card repayment time before credit card overdraft consumption.

5. After the credit card is overdrawn, it is best to pay it back within the interest-free period. In addition to the most basic counter repayment and automatic deposit machine deposit, you can also use online and telephone transfer repayment; In short, the correct use of credit card overdraft, do not let the credit card "stuck."