After the credit card is due for repayment, the bank will charge a certain penalty according to the proportion of the unpaid part below the minimum repayment amount.

Bian Xiao reminded: Before handling the card, you must consult the bank about the proportion of liquidated damages, so as to better choose the most economical bank.

2. Minimum repayment amount determined by the bank

After the introduction of the new regulations, banks can decide the minimum repayment amount independently and draw up rules.

Bian Xiao reminds: If you pay the minimum repayment amount, the bank will still charge you overdraft interest, so be careful!

3. The longest interest-free period can exceed 60 days.

Bian Xiao reminded: It is the longest, not the average. You must refer to the interest-free period of each bank before you apply for a card. General banks will tailor the interest-free period for you according to your personal repayment habits, personal preferences and personal credit situation.

The overdraft interest of five ten thousandths per day is the highest value.

Banks will implement interval management of 0.5%-0.35%, and do not implement uniform standards. The interest calculation and settlement method of credit card overdraft and whether to calculate and pay interest on the excess part shall be set by the institution independently.

Bian Xiao reminds: Don't miss the low-interest banks!

5.ATM withdrawal limit is 10000 per card per day at most.

6, stolen brush is guaranteed

The card-issuing bank will make reasonable compensation for the stolen card holders through commercial insurance and providing risk compensation funds.