no credit card overdrafts should compound interest.Meanwhile,
tn, Chen Jun believes that banks charge credit card customers late fees, no legal basis. Refers to an administrative penalty imposed executive functions in the process of collection of fees, the delay due to the obligor to pay fees,
tn, and pay the extra money,
tn, it is considered an administrative punishment. In other words, do not belong to the executive branch or the executive branch commissioned by the bank is not entitled to late fees."Accurately speaking, banks should belong to the so-called late fee penalty, in accordance with relevant laws and regulations,
tn, in principle,
tn, the total amount of fines should not exceed 30% of the principal amount." Chen Jun said.Legal Links:"Credit card business management approach" Article 19: For credit card overdraft interest, since the signing date or within 15 days from the date of the bank journal daily interest calculation five ten thousandths over 15 ten ten thousandths daily interest calculation, more than 30 days or overdraft amount exceeding the prescribed limits,
tn, the daily interest calculation fifteen ten thousandths. Overdraft interest-bearing non-segmented,
tn, by the deadline or maximum overdraft rates highest grade per annum.Reporter survey Different way of interest-bearing bank Mo attention when the "card slave"Yesterday,
tn, reporters from several other banks in customer service consulting, all banks are interested in overdue credit card users also charged late fees,
tn, and the total amount of arrears and accumulated hook. However,
tn, interest on arrears calculated in different ways.
some banks to take a non-compound interest, compound interest and some take.To reporters on the way and late fees paid per annum rules questions,
tn, call the Department of Bank expressed developed in accordance with relevant laws and regulations, and once the customer has changed the contact did not inform the bank,
tn, the bank will be very difficult to contact the customer.Mr. Deng worked at a bank to remind the public debt held by the card must understand the rules of punishment,
tn, not because of a little money, become "card slaves." More needs to be noted that "Once a delinquent borrower, credit history will be damaged,
tn, probably can not do the loan within five years. Arrears serious meeting bank blacklist, after the financial services it is almost impossible to carry out."WCC reporter intern reporter Yan Weiwei photography Wu Xiaochuan Xiong HaoranRelated News Credit card information was walking vent brush salesman 150.
000Huaxi Dushi Bao (Pi law declared correspondent Wu Liufeng) apply for a credit card after a salesman, but no hand ... a long time, you have to be careful, because you might have owed huge debts. Recently, Pi County People's Court heard the case together, Hemou After obtaining a credit card salesman who do card information, cut down the middle of a credit card, then do card fraudulent use of identity cards will be activated after successful credit card spending. This method can,
tn, he has twice succeeded, brush away a total of 15 million yuan. Eventually, Hemou was sentenced to nine years in prison.Deng Yong reminded the judge handling the case,
tn, people applying for a credit card must be handled in the formal banking outlets, do not easily disclose personal information to others.(Original title: credit card debts six years have not yet risen to 10,
tn,009 9WASHINGTON (Reporter Xie Chun years) less than 4 years of age at the time of Allison supermarket escalator ride down, and was rolling off the lift a finger. Conflict is the problem of medical expenses parents of children with supermarkets. Elevator aspects of security experts advise, do not let children ride the escalator alone, not to let the children run around or sitting on the elevator in the elevator,
tn, to avoid serious consequences.Reporters yesterday morning went to the hospital to see the rings of orthopedic injuries Allison.
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