In the new arrival of 2018, there are several major changes in credit cards. Xiaobian will take you to see it!
1. If the late payment fee is changed, the bank will not charge the late payment fee, but the bank will decide the proportion of the penalty payment!
This policy cancels the credit card late payment fee. Instead, the card issuer should agree with the cardholder whether to collect liquidated damages and the relevant collection methods and standards for the cardholder’s breach of contract and overdue payment. In fact, according to the previous charging standards, once the cardholder does not have enough minimum repayment amount, it will have to bear a high overdue fee, and the calculation method is compound interest on a monthly basis. In recent years, it is not uncommon for credit card late payment fees to be “profitableâ€. After the implementation of the new regulations, liquidated damages will be collected at one time and will not be compounded.
2, the longest interest period or more than 60 days
The new regulations have eliminated the maximum interest-free repayment period of 60 days. Different banks have different interest-free periods, which are decided by the card-issuing bank. Therefore, each person’s interest-free repayment period will be different. Banks A humanized plan will be formulated based on the individual's overall situation.
3. Overdraft interest rate is expected to drop by 30%
This provision means that the current uniform fixed credit card overdraft interest rate standard has been abolished, and the management of the floating range of 5% to 10,000/10,000 is implemented. Therefore, it is necessary to learn to compare banks with lower interest rates in the future.
4, ATM cash withdrawal of up to 10,000 per card per day
5, the bank has to pay reasonable after being stolen
6, the minimum monthly repayment limit is determined by the issuing bank
The original minimum monthly repayment amount is 10% of the monthly overdraft balance, and the new rule is the card issuer's discretion, so that for users who are nervous or nervous, the minimum repayment amount is as low as possible, but It must be remembered that the bank is charged interest, and the minimum repayment is not the most cost-effective.
In summary, these six regulations have increased the bank's dominance, which gives banks greater competitive pressure, so we have to shop around when we do the card.
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