I have spent 1,320 yuan on my credit card from August 1st to now, so how much should I pay back to the bank?

To answer your question, we need to know your credit card statement date and repayment date.

Let’s take the example of CCB credit card and talk about the billing date and repayment date.

The repayment date for CCB credit cards is 20 days after the statement date. The billing date is the 7th, and the repayment date is the 20th day after the billing date, that is, the 27th. That is to say:

The card consumption from August 8th to September 7th will be on the 9th The account will be debited on September 7th and repaid before September 27th.

Consumption by card from September 8th to October 7th will be debited on October 7th, and the payment can be made before October 27th.

If you repay in full before the repayment date, there will be no interest; if you repay the minimum amount before the repayment date, there will be interest. The interest calculation method is related to the time when you swipe the card; if the repayment date is consecutive If the minimum balance is not paid, the interest-free period will be gone. The full amount of interest will be charged from the second day after the purchase, with a daily interest rate of 0.5%.

You should develop the habit of reading your credit card statements so that you know roughly when the payment is due to avoid missing payments. You can also apply for a savings card with the same name at this bank and bind it to the credit card for repayment.