信用卡滞纳金2017年取消 多家银行推出违约金
信用卡不慎逾期还款不但要罚息,信用消多行推不少持卡人因为疏忽还有可能背上利滚利的卡滞滞纳金。而随着今年上半年央行下发 《关于信用卡业务有关事项的纳金年通知》,这样的出违问题今后有望消失。根据新规,约金明年1月1日起取消信用卡滞纳金,信用消多行推而且信用卡预借现金还可转到本人结算账户内。卡滞近日,纳金年记者探访发现,出违尽管离新规实施还有一段时间,约金但多家银行已经开始提前落实新政。信用消多行推
“以后能把信用卡上的卡滞钱直接转到储蓄卡上,这点还是纳金年非常方便的。 ”近日市民赵女士接到银行通知,出违今后可在信用卡取现额度内,约金将资金透支转入本人农行借记卡内支取。本来新政要求明年起实施的政策,如今已有银行开始实行。据农业银行客服人员介绍,为满足持卡人小额资金需求,农行特地开展在信用卡取现额度内转账支取现金,并分期偿还的业务。单笔申请金额最低2千元,最高5万元。不过资金转入账户须为持卡人本人在农行开立的借记卡。
除了农行外,记者观察到工商银行此前发布公告称取消滞纳金收费项目,新增违约金收费项目,于明年1月1日起执行,且违约金收费标准按最低还款额未还部分的5%收取,每期最高500元人民币或按协议约定收费。此外,中信银行、浦发银行等几家股份制银行也发出将执行信用卡违约项目的公告。
滞纳金取消,信用卡预借现金可转入借记账户,可以料想到的是随着新规的逐步实施,今后信用卡肯定会与时俱进,客户对信用卡透支消费、预借现金等服务将越来越开放。但在业内人士看来这种开放并不是无限制的。
“取消滞纳金后,许多持卡人会觉得,我晚点还款是不是不要紧啊?这种想法千万不要有。 ”岛城一家股份制银行信用卡部负责人邱经理表示,随着滞纳金的取消,许多银行增设违约金这个项目,虽然计费方式和以前滞纳金的计费方式不同,但这意味着如果逾期还款还是要多掏腰包的,并且取消滞纳金之后,为了督促借款人还款,减少坏账率,今后或许会有更多的违约条款出现。另外,信用卡虽然可以转账到储蓄卡里,但是为了防止非法套现,这项业务也都是会有一定额度的。这种有条件限制的开放也是银行体系日趋成熟完善的表现。
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