According to the Guiding Opinions on Financial Services Supporting Toll Road System Reform issued by the Ministry of Communications on October 8, 20 19/KLOC-0, it is clearly pointed out that commercial banks and non-bank institutions are supported to submit the information of users who are in arrears for more than 30 days from the date of toll transaction to the basic credit information database, and the information retention period refers to the relevant provisions of the Regulations on the Administration of Credit Information Industry. China Payment and Clearing Association and clearing institutions shall organize member units to establish blacklist management mechanism to jointly prevent malicious breach of contract.
1. The overdue repayment of etc overdraft card by CCB will result in late payment fees, interest and bad personal credit records. The overdue fine for credit card is: 5% of the unpaid part of the minimum repayment amount. Calculation formula of overdue interest of credit card: overdue interest of credit card = last month's consumption * overdue days *0.0005 There are three figures in the above calculation formula, namely overdue amount, overdue days and daily interest rate. Here are the meanings of these three numbers. Last month's consumption needs special attention. The calculated amount of overdue credit card is not the amount owed, but the amount spent last month. In other words, if you spent 10000 yuan last month, even if you have paid back 9999 yuan, the overdue interest of the credit card will be calculated according to the debt of 10000 yuan. So try not to generate overdue credit cards, otherwise the interest base will be too large if you spend a lot last month. Overdue days Because the overdue interest of credit cards is calculated on a daily basis, the overdue days of credit cards are also very important. The number of overdue days refers to the number of days from the bookkeeping date to the current bookkeeping date. Daily interest rate The daily interest rate of overdue interest on credit cards is uniform, which is 0.0005, which is five ten thousandths of a day.
2. Calculation formula of overdue interest of credit card: overdue interest of credit card = last month's consumption * overdue days *0. Try not to generate overdue credit cards, which will generate late fees and interest .0005. The above formula for calculating overdue interest on credit cards has three figures. Daily interest rate The daily interest rate of overdue interest on credit cards is uniform, which is five ten thousandths of a day. Then, if you owe 1 yuan, you will also calculate the overdue interest of the credit card as you owe 10000 yuan. Therefore, there is a bad record in personal credit. The late fee for overdue credit cards is 0.0005, which is the overdue amount. The number of days overdue and the daily interest rate, otherwise the interest base will be too large if the consumption last month is large. Overdue days Because the overdue interest of credit cards is calculated on a daily basis, the overdue days of credit cards are also very important. The number of overdue days refers to the number of days from the bookkeeping date to the current bookkeeping date. The following are the meanings of these three numbers. Last month's consumption. 1, it is important to note that the calculation limit of overdue credit cards is not the amount owed, but the amount spent last month. That is, if you spent 6.5438+0 million last month, you have already paid 9999.