I have changed the minimum repayment amount of CCB credit card. Why is there a SMS notification?

When did the landlord pay the minimum repayment amount? Generally, if the account can be received before the due repayment date, there will be no short message. If it is not recorded, you will still receive a repayment reminder message. But the landlord doesn't have to worry. The repayment time of CCB is 5 days. If it arrives within five days after the due repayment date, it is not overdue (if the landlord's due repayment date is 5/30, the repayment time is 6/4).

In addition, the landlord should be reminded that if the minimum repayment amount is paid, there is no way to enjoy the interest-free period for this part of credit card consumption. From the day the landlord swipes his card, he will charge five ten thousandths of interest every day.

Assume that the bookkeeping date is the 5th of each month, and the repayment due date is 20 days after the bookkeeping date, that is, the 25th of each month.

4/6 credit card 2000 yuan, no other transactions, 5/5 checkout.

Total bill =2000 yuan, minimum repayment amount = 65438+ 00% of accumulated unpaid consumption = 2000 *10% = 200 yuan, and 5/25 is the due repayment date, which will be returned to 200 yuan.

6/5 bill settlement, total bill amount = unsettled amount of the previous bill+consumer interest.

=2000-200+2000*0.05%*50 (interest-bearing time: 4/6-5/25, * * 50 days)+1800*0.05%* 10 (since 200 yuan was repaid on May 25th, the interest-bearing principal thereafter was.

= 1800+50+9

= 1859 yuan (including interest 59 yuan)

From the above example, it is not difficult to see that although the ratio of five ten thousandths is small, it still adds up to a high level. The landlord should pay attention ~