信用卡的利息和违约金怎么算-银行贷款法律援助-法律咨询免费平台-国际律师联盟

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问题	信用卡的利息和违约金怎么算
释义	1．信用卡利息＝上月消费额乘以逾期天数乘以0．0005，违约金为最低还款额未还部分的5％信用卡逾期利息和违约金指的是持卡人在信用卡到期还款日实际还款额低于最低还款额的情况下，最低还款额未还部分要支付利息和违约金。根据了解，违约金的比例由中国人民银行统一规定，为最低还款额未还部分的5％，但由于各家银行政策的不同，所设的最低额度也不尽相同。利息的规定没有统一的约定，会在信用卡申领协议中进行了明确约定。 2．收取违约金和利息
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