First, credit cards generally have a grace period of three days after the repayment date, and repayment within the grace period is regarded as timely repayment;
1, if it is paid off in full, it will not generate any expenses;
2. The minimum repayment amount shall be calculated at 0.05% of the daily interest;
2. If the repayment exceeds the grace period or the repayment amount is lower than the minimum repayment amount stipulated by the bank, it will be deemed as overdue, and the interest will be calculated at 0.05% per day from the bookkeeping date. In addition, a late fee of 5% of the unpaid minimum repayment amount will be charged on a monthly basis.
Extended data:
Precautions for buying a house by credit card:
1. If the credit card itself is insufficient, you can apply for adjusting the temporary credit limit. The adjustment range of temporary credit card limit varies from bank to bank. Some banks can adjust the credit line according to the standard of 100%, while others can only increase by 80%. After applying for the temporary limit, the cardholder must pay off the temporary limit in one lump sum before the current repayment date, and cannot repay it in stages.
2. Once the down payment for buying a house is refunded by credit card, it will take a long time. Therefore, we should pay attention to the distance between the date of credit card swiping and the due repayment date, and don't be overdue because of the long refund time. Credit cards should be repaid in full and on time, and cardholders should repay their credit cards according to their repayment ability. Don't spend too much money in advance, so as not to be unable to repay in time, which will lead to overdue credit cards, interest, late fees and even affect personal credit records.
3. There is no point in paying down payment for buying a house with a credit card. This kind of consumption transaction cannot accumulate credit card points. Real estate credit card POS machines generally take the UnionPay channel, so you can only use UnionPay cards, not single currency foreign currency cards.
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