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2017 credit card new regulations

Time: 2016-11-23         Source: Rong 360 finishing         Author: 360 Financial consolidation

1, see overdraft interest rates:credit cardOverdraft interest rate to implement the upper and lower limit management, overdraft interest rate ceiling for the rate of five per thousand, the lower limit of overdraft interest rate of 0.7 times the rate of ten thousandths of the rate. This means that the minimum rate of over three thousand five thousand points, card holders after the card, remember to compare the credit card overdraft rate, select the lowest interest rate of a bank can be.

2, see interest-free period: the new regulations to cancel the interest-free repayment period of the longest period of the provisions of the card issuer to determine their own. The interest rate of different banks is not the same as the original, after more fully by the card issuer to call the shots, interest-free period is also an important reference for the standard card Oh.

3, see "breach of contract": the abolition of late fees to introduce "liquidated damages", for the cardholder overdue repayment behavior, the card issuer should be agreed with the cardholder agreed whether to receive liquidated damages, and the relevant collection methods and standards. Before the card, card friends must compare the bank "breach of contract" to collect the proportion of the problem, select the most cost-effective, the most economical banks.

4, see the advance cash: credit card pre-cash business, including cash withdrawal, cash transfer and cash recharge, card friends in the card before, be sure to understand the amount of cash withdrawal, cash transfer and the standard fee, more importantly: To understand whether the bank allows the use of credit cards to WeChat, Alipay recharge, which is absolutely 100% good card friends, card allows you to use more amount of overdraft.

5, see the minimum amount of repayment: the new regulations to cancel the first month of the minimum amount of repayment shall not be less than 10% of the provisions of the current overdraft balance, the minimum amount of repayment by the card issuer to determine. For the capital is not well-off, poor repayment ability card friends, the minimum amount of the lower amount of credit card is undoubtedly the best choice.

6, to see the theft brush compensation: the new regulations to encourage card issuers through commercial insurance cooperation and the provision of risk compensation funds, etc., according to the loss of cardholders to be a reasonable compensation. Therefore, the card before the card to do cards, compare the bank's credit card theft brush compensation is also very important way, after all, credit card theft brush things often happen, and most of the last card is their own commitment.

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