For overdue credit cards, interest will be charged at 50 cents per 10,000 per day based on the total amount owed. For example, if you owe 2,000 yuan, the interest will be 1 yuan per day.

1. If the credit card bill is not repaid in full and on time, interest will accrue: Interest is calculated one by one according to each consumption in the bill, generally from the second day of swiping the card to the time of your transaction. Until then, the calculation is based on 0.05% per day.

2. Cash withdrawal interest: Cash withdrawal does not enjoy the interest-free period. Interest is calculated at 0.05% per day from the day of cash withdrawal, and is charged on a monthly compound interest basis. If 10,000 yuan is roughly 5 yuan in interest per day, if your amount is 5,000, the interest per month is roughly 75 yuan.

Liquidated damages collection standards:

1. If the outstanding overdraft principal does not exceed 20 yuan or 3 US dollars, liquidated damages will be charged based on the outstanding overdraft principal;

2. When the outstanding overdraft principal exceeds 20 yuan or 3 US dollars, liquidated damages will be charged at 5% of the unpaid portion of the minimum repayment amount, with a minimum of 20 yuan or 3 US dollars.

3. The principal includes consumption, cash withdrawal and installment principal.

Minimum repayment amount = 100% of the unpaid portion of the previous minimum repayment amount + 100% cash withdrawal transaction (including principal, fees, and interest) + 100% annual fee + 100% of the installment business, which is recorded in the ledger for each period Deposits, handling fees and the resulting interest + 10% of the consumption principal + 10% of fees (excluding annual fees and cash withdrawal fees) (fees: including liquidated damages, interest, loss reporting fees, damage repair fees, over-limit fees, etc.) .

If the minimum repayment amount is 500 yuan, then the liquidated damages are 25 yuan. If the minimum repayment amount is 10,000 yuan, then the penalty is 500 yuan.

Warm reminder:

If the minimum repayment amount is not paid before the next bill is settled, it will affect your credit record. It is recommended to repay the bill on time according to the bill. If you have paid off the minimum repayment amount on time according to the bill, and liquidated damages are incurred due to late entry into the system, the system will automatically offset and refund the amount.

: Ping An Bank, the full name of Ping An Bank Co., Ltd., is a cross-regional joint-stock commercial bank controlled by Ping An Insurance (Group) Co., Ltd. of China. It is one of the 12 national joint-stock commercial banks in mainland China. , is one of the three major business pillars of Ping An Group and is headquartered in Shenzhen, Guangdong.

Its predecessor was Shenzhen Development Bank, which mainly engages in financial and credit services. On October 20, 2021, Ping An Bank announced that in the third quarter, it achieved a net profit of 11.55 billion yuan, a year-on-year increase of 32.5%; in the first three quarters, it achieved a net profit of 29.135 billion yuan, a year-on-year increase of 30.1%.