Credit Card Repayment Calculator - ICBC (Asia)

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Credit Card Repayment Calculator

Credit Card Repayment Calculator

Credit Card Repayment Calculator

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Instruction: Input the Loan Principal and Interest Rate, then click Confirm. For actual APR etc., please refer to Monthly Statement for Credit Card APR.

The calculation of credit card repayment based on the Loan Principal and Monthly Flat Rate entered. The result of (1) the approximate repayment period and approximate amount of interest repayment that you have to make if you wish to repay the outstanding balance by minimum payment monthly; and (2) the approximate amount of monthly minimum payment and interest repayment that you have to pay monthly if you wish to fully repay the outstanding balance within 36 months. Please click “Credit Card Total Repayment Calculation Table” to refer to the estimated total repayment amount.

Remarks: The above is for reference only. Please refer to Credit Card Statement for Actual repayment period and amount.

Assumptions:

- Minimum payment is the amount of all interest and fees and charges, plus 1% of outstanding principal

- No new transaction

- No annual fee and other fees

- The payment settled on or before the Payment Due Date

Reminders about Responsible Borrowing

¹

Customer should have a clear understanding of his/her financial condition, daily expenses, and actual borrowing needs.

²

Customer should assess his/her repayment ability and avoid over-borrowing.

³

Customer should repay any outstanding balance on time to avoid late payment charges and additional overdue/overlimit interest charged by the Bank.

⁴

To borrow or not to borrow? Borrow only if you can repay!