2. Under normal circumstances, there is such a formula that the total repayment amount of the credit card in the current period = the repayment balance in the previous period-paid amount/other accounts+newly signed amount/other expenses.
3. There are two main types of credit card lines, including daily credit line overpayment, that is, credit card deposits, and banks do not calculate and pay interest, which is completely different from savings cards.
4. Cash withdrawal by credit card is charged according to regulations.
5. The charging problem is divided into two aspects: 1) In the regulations on the use of credit cards, ATM withdrawals are basically subject to a handling fee. Usually the standard is 0.5% of the withdrawal amount, and the minimum charge is 5 yuan.
6. The overseas cash withdrawal fee is higher.
7.2) If there is "overpayment", the withdrawal fee will still be charged according to the credit card withdrawal standard.
8. In this case, it is suggested that the cardholder transfer the overpayment on the credit card to the debit card of the same name of any bank, and then withdraw cash from the debit card.
9. And the maximum credit line.
10. Among them, the daily credit line is the routine available line combined with the cardholder's daily consumption habits.
1 1. The maximum credit limit refers to the maximum credit limit that cardholders can apply for according to their needs.