Pay the bill. major function
Credit card services: card handling, audit, quota, points, repayment, platinum privilege, 7*24 hours service.
Consumer credit: repayment by installment, enjoying consumption. There are also cash installments and consumer loans for you to choose from.
Life service: food, movies, recharge, payment, take-away, colorful life, everything.
Hui Channel: One-stop integration of daily check-in, card-using activities, ticket collection center, local discounts, welfare information and other preferential contents of the whole platform, echoing the slogan of "Pay the bill" APP and "Pay the bill to make life better"
Credit card channel: in the form of head-up transmission, the rights and interests of the card are displayed under the user name, so as to clearly understand the rights and interests of the card and greatly enhance the user experience.
Login service: you can switch various authentication login methods at will, including WeChat authorized login, SMS secure login, password login, credit card number login, etc. After successful authentication, you can set fingerprints, gestures, faces and other quick login, so that the account login is safe and convenient.
Do you pay the bill? Do I need to pay interest?
Credit cards will have an interest-free period. If it is repaid before the repayment date, there will be no interest, but if it is overdue, there will be a late fee.
Take a credit card with a line of 10000 as an example. The billing date of the card is 10 every month, and the final repayment date is 30th every month. On the morning of1October110, the cardholder swipes the card to spend 1 10000 yuan, and the minimum repayment amount is 10%- 1000 yuan of the total consumption.
If the cardholder chooses the minimum repayment amount, that is, after 10 and before 30, only 1000 yuan will be deposited in the credit card, which will generate five ten thousandths of daily interest. 12, 10 When the ticket is issued again, the total interest will be 200 yuan. The calculation method is: 10000 (consumption last month) multiplied by 40 (days from the billing date to the current billing date) multiplied by 0.0005 (interest) =200 yuan. Everyone will definitely ask, why is the interest calculated at 10000 yuan? Didn't you return 1000? Why 40 days? The final repayment date is165438+1October 30th, and the new billing date is 65438+February 10 only 10 days.
This is one of the places where people are easy to misjudge. The issuing bank will tell you: "because the arrears are not paid off on time, the cardholder does not enjoy the interest-free period;" The bank collects interest on all arrears in the current period on a daily basis, and the calculation of the number of days follows the principle of' brush first and then pay back'. " According to the principle of this interest calculation method, the cardholder spends 1 ten thousand yuan. If he still pays 9,999 yuan and owes one yuan, the interest on the credit card bill will still be 200 yuan RMB when it arrives next month.