央视《今日说法》主持人李晓东近日一纸诉状将中国建设银行告上法庭,原因是李晓东信用卡欠建行69元逾期10天,利息竟高达317元。
Two Beijing branches of China Construction Bank (CCB) and its credit card center were sued recently by a Chinese TV anchor after his CCB credit card was charged an interest of 317.43 yuan within 10 days, though he had only a debt of 69.36 yuan .
中国建设银行在北京的两家支行及其信用卡中心最近被一位央视主持人起诉,该主持人的信用卡欠建行69.36元,逾期10天未还,被建行收取317.43元利息。
"The interest calculation is obviously unfair. Its relative clauses shall be void clause of style. The bank shall return me the interest," said the credit card holder.
该主持人表示:“这种利息计算方式明显不公平,其相关条款应为无效的格式合同条款,且银行应该返还收取的利息。”
目前,银行透支利息的计算方式有两种,一种是“全额计息”(calculating credit card interest based on the total bill of a month),是指在信用卡还款最后期限超过之后,无论当月信用卡是否产生了部分还款,发卡行都会对持卡人按照总消费金额计息。另一种是“按未偿还部分计息”(calculating credit card interest based on the outstanding amounts),即在信用卡还款最后期限超过之后,按照未偿还那部分的账单金额计息。
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