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2022-03-23 00:33:24

① 招商银行信用卡young卡第一次取现有利息吗利息怎么计算的

您好，只要提现就会产生手续费的，也会按天计算利息。现在各家银行针对信用卡提现，均按0.05%收取日息，而在手续费方面各银行的收费有所不同。信用卡提现没有免息期，从取款当日起收取利息。
如果在还款日持卡人只交了最低还款额，未还部分仍要按每日0.05%收取利息;如果持卡人连最低还款额也没有交上，信用卡取现需要付出的费用为手续费+日万分之五的利息+最低还款额未还清部分5%的滞纳金。
而对于取现的手续费，各银行的收费标准又有所不同，但大部分银行却只规定了每笔取现手续费的最低额度，最高的银行规定每笔手续费最低为30元。招商银行境内人民币预借现金按每笔预借现金金额的1%计算手续费，最低收费为每笔￥10元（个别卡种手续费有特殊规定的除外）
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① Is it the first time to withdraw existing interest from China Merchants Bank Credit Card Young Card? How is the interest calculated?

Hello, as long as you withdraw cash, there will be a handling fee, and the interest will be calculated on a daily basis. Currently, all banks charge a daily interest rate of 0.05% for credit card cash withdrawals, and the fees charged by each bank are different. There is no interest-free period for credit card cash withdrawals, and interest will be charged from the date of withdrawal.
If the cardholder only pays the minimum repayment amount on the repayment date, the unpaid portion will still be charged interest at a daily rate of 0.05%; if the cardholder does not even pay the minimum repayment amount, credit card cash withdrawals will require The fees paid are handling fee + daily interest of 0.05% + 5% late payment penalty on the unpaid portion of the minimum repayment amount.
As for the handling fees for cash withdrawals, each bank has different charging standards, but most banks only stipulate the minimum amount of handling fees for each cash withdrawal. The highest bank stipulates that the minimum handling fee for each cash withdrawal is 30 yuan. . China Merchants Bank’s domestic RMB cash advance fee is calculated at 1% of the amount of each cash advance. The minimum fee is RMB 10 per transaction (except for special regulations on handling fees for individual card types)
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