When the repayment period of my ICBC credit card reached 95,588, I sent messages one after another to remind me that I owed 1000 yuan only to 800 yuan. Will it affect my credit rating?

Yes, there is already a bad record. But not equal to blacklisted users.

The total amount owed is 1000. According to what you said, before the final repayment date of this month, your minimum repayment amount was 1000, but you only paid a total of 800, which is 200 short, right? First of all, I will send you a short message saying that you have passed the payment date of this installment, but 200 yuan hasn't paid it back yet. Please repay it in the near future.

For example, the billing date of your card is 1, and the last repayment date of each month is 20th.

If you don't pay the remaining 200 after 65438+1 October 20th-65438+1October 3rd1,your minimum repayment amount on February1day will become the original minimum repayment amount of 200+. If there is no consumption afterwards, only 200 yuan is owed, and the minimum repayment amount is 200+( 1000 X interest x days in arrears).

Interest is the consumer interest stipulated by the bank, compound interest. If you spend 100, the interest on the first day is 100X, the interest on the second day is (yesterday's interest+100)X, and so on.

The number of days in arrears is counted from the day you spend 1000 to the day you still go in.

The bank doesn't mean to charge interest on the basis of 200 pounds when you only owe it, but on the basis of the total amount you didn't pay off last time.

10 days later? What 10 day are you talking about? Did the bank send you a message for 10 days? Please find out when you spent 1000 and calculate according to my method. It should be five ten thousandths of the daily interest.