信用消费免息透支后的柔性陷阱——逾期还款的损失

Flexible Trap after Interest-free Overdraft of Credit Consumption——Loss of Overdue Repayment

大多数人对透支利息的起息时间点、需要支付的利息是如何确定的、利息与还款时间点的关系、透支利息的年化利率是多少、是否存在复利以及何时计算复利等问题并不了解,甚至一无所知。本文的目的就是数字化解读上述问题,希望能对我们还未完全进入社会或初入社会的大学生有所帮助。

Most people do not know,or even know nothing about,the starting point of the overdraft interest,how the interest to be paid is determined,the relationship between interest and the repayment point,the annual interest rate on overdraft interest,and when the compound interest is calculated.The purpose of this paper is to read the above problems digitally,hoping to be helpful to college students who have not yet fully entered the society or the beginning of society.