交通银行信用卡透支利息问题

2024-12-01 05:11:55
推荐回答(5个)
回答1:

若是招行信用卡,如您在到期“还款日”前未及时归还账单的“最低还款”,会收取违约金和利息,且会影响您的个人信用。违约金收取最低还款额未还部分的5%,最低收取RMB10元或USD1元。利息是当期的所有消费将从记账日(一般是消费后的第二天)开始计收,日息万分之五,直至您全部还清为止。

回答2:

信用卡怎么用都是透支,你到底是刷卡用的?还是取出现金用的?刷卡的,只要按时全额还清是没有利息的,可以分期,要收取手续费;取现的要收取手续费,并且一起马上开始计算利息,不可以分期,只按取现额及手续费的0.05%每天计息,逐日累计,并按月计算复利。

回答3:

如果你每个月还700元,那就是选择了最低还款额的方式进行还款!那么银行会按照你欠款的6000元每日收入万分之五的利息!直到你还清所有欠款为止!6000块的话一个月应该是90块钱左右的利息!

回答4:

不是万分之一,是万分之五,也就是说你没还的钱,自你刷卡之日起每天要付万分之五的利息,一万元就是5元,按此比例,0.0005乘以你欠的钱乘以你欠的天数,就是你需要还的利息.

我提醒你一下,不要以为万分之五很小,换算成年利息,可是18%/年,银行目前的存款利息一年期是3.25%.

回答5:

每天万分之五的利息,和高利贷一样利滚利,9个月的时间,干脆分期付款不完了,还方便一些

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