Ctrip's "Use to Spend" (similar to Huabei) is intentionally eating into customers' interest. Even if there is money in the default repayment bank card, they will only deduct the minimum amount due and carry the remaining consumption to the next month.


I just discovered and realized this. I did a quick calculation and have paid over 5,000 yuan in interest that shouldn't have been spent.
I don't know if I misunderstood something, but Ctrip Finance is just too malicious. 😅
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