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掌上取现会影响征信吗
更新时间: 2020-10-31 00:00:00  

招行掌上取现,实际上就是信用卡的取现透支功能。通常情况下,信用卡评分由这么几个方面组成:还款记录、欠款额度、信用历史长度、账户类型。取现行为本身与这几个因素有没有直接关系,因此对征信影响不大。

信用卡取现时需要支付取现金额1%-3%的手续费,大部分银行都规定了取现手续费的最低额度(1-30元不等)。此外,需要从取现当天起就按天支付万分之五的利息,且需按月支付复利,也就是常说的“利滚利”。所以透支取现的实际年化利率接近20%,这远远高于同期的贷款利率。所以信用卡取现的成本比正常刷卡消费要高很多。

关键词: 影响

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