1, the minimum repayment amount of the credit card = 65438+ 00% of the credit card bill in the current month+all outstanding installment transactions in the account+the unpaid part of the minimum repayment amount in the previous period+all the money used beyond the credit limit of the account+minimum repayment amount+interest. Suppose our bookkeeping date is 1 every month, and the final repayment date is 26th. Our bill in July is 20,000 yuan, and the minimum repayment amount is 2,000 yuan, so the interest on the remaining unpaid part will be calculated according to the full bill amount. If the minimum repayment is continued on July 26th, the circulating interest in the bill of August 1 is 20,000 yuan * 5%*52 days (accounting date is June 3rd to July 25th)+(20,000 yuan-2,000 yuan) * 5% * 6 days (July 26th to August 65433).
2. Credit card repayment amount must be greater than or equal to the minimum repayment amount. Less than the full repayment, the default is the minimum repayment amount;
3. When the minimum repayment amount of the credit card is made, the interest will be calculated at 0.05%, and it will be collected from the date of consumption. If the amount payable this month is 1 1,000 yuan, and the minimum repayment amount is 1 1,000 yuan, then as long as we repay 1 1,000 yuan, there will be no overdue record. However, the other 900 yuan will be rolled over to the next issue, which will generate interest, and we have to pay the corresponding interest fees.
Definition of minimum repayment amount: The minimum repayment amount means that if the cardholder has difficulty in repaying all the payables before the due repayment date (inclusive), he can make repayment according to the minimum repayment amount stipulated by the issuing bank, but he cannot enjoy the interest-free repayment period and needs to pay part of the loan interest. The minimum repayment amount is 65438+ 00% of the consumption amount plus other payables. The minimum repayment amount will be shown on the current bill.