How to use CCB credit card SMS to query consumer bills and how to calculate the minimum repayment amount?

The landlord can edit the short message "3 1 1# last four digits of the card number" to 95533 with the mobile phone number you left at his home, and it will reply you with the total bill, due repayment date, minimum repayment amount and remaining unpaid amount.

For the calculation of the minimum repayment amount, the landlord first looks at the formula:

At the same time, if it is not convenient for the landlord to repay in full, you can repay the minimum amount on the due date, so that the bank will not count you as overdue and there will be no bad credit record. But the minimum repayment amount still needs to be paid. Your credit card consumption and withdrawal should start from the day when you swipe your card or withdraw cash, and charge 0.05% interest every day.

For example, suppose the landlord's billing date is 5th of each month, and the due repayment date is 20th of the billing date, that is, 25th of each month.

4/6 spent 4,000 yuan by credit card. After that, there was no other transaction, and 5/5 settled the account. The total bill = 4,000 yuan.

Minimum repayment amount = 65438+ 00% of accumulated unpaid consumption = 4000 *10% = 400 yuan.

On the due repayment date of 5/25, the "minimum repayment amount" will be returned to 400 yuan.

6/5 bill settlement, total bill = unpaid part of previous bill+consumer interest.

=4000-400+4000*0.05%*50 (interest-bearing time: 4/6-5/25, * * 50 days) +3600*0.05%* 10 (interest-bearing time: 5/26).

=4000+ 100+ 18

=4 1 18 yuan (where the interest is 1 18 yuan).

Minimum repayment amount = 65438+ 00% of accumulated unpaid consumption+consumer interest = 3600 *10%+18 = 360+18 = 478 yuan.

Due date of repayment is June 25th.

The above simply demonstrated the calculation method of the minimum repayment amount and interest to the landlord. Actually, it should be based on the bill given to you by the bank ~

If the landlord has other questions, you can ask.