If it is not convenient for the landlord to repay the loan in full, he can pay the minimum payment amount on the due date (of course, it is also possible to pay the minimum payment for several consecutive months), so that The bank will not count you as overdue and you will not have a bad credit record. However, if you still pay the minimum repayment amount, your card consumption and cash withdrawal will start from the day when you swipe the card or withdraw cash, and 0.05 interest will be charged every day.

Example: Assume that the poster’s bill date is the 5th of each month, and the repayment due date is 20 days after the bill date, which is the 25th of each month

On April 6, he spent 4,000 yuan with his card , there are no other transactions since then, the bill is settled on 5/5, the total bill = 4,000 yuan, the minimum repayment amount = 10 of the accumulated unpaid consumption = 4000*10 = 400 yuan. On the repayment due date of 5/25, repay the "minimum repayment amount" of 400 yuan

The bill will be settled on 6/5, the total bill = the unpaid interest on the unpaid portion of the previous bill

=4000 -400 4000*0.05*50 (Interest calculation time: 4/6-5/25, ***50 days) 3600*0.05*10 (Since 400 yuan was repaid on 5/25, then interest calculation time: 5/26- 6/5, ***10 days, interest-bearing principal = 3600 yuan)

=4000 100 18

=4118 yuan (of which the interest is 118 yuan)

Minimum repayment amount = 10 of the accumulated unpaid consumption, consumption interest = 3600*10 118=360 118=478 yuan

The due date of repayment is 6/25

More than I briefly demonstrated to the poster the calculation method of interest. In fact, the bill given to you by the bank should be used as the basis~

If the poster has any other questions, you can ask