After using the credit card, if you can't pay off the debt in one lump sum, you can choose the minimum repayment amount or installment repayment. Although there will be a certain handling fee or interest, it is better than overdue. Today, Bian Xiao sorted out some materials and briefly introduced how to calculate the installment fee of credit cards.

How to calculate the credit card installment fee?

The installment fee of each bank is uncertain, as follows:

The installment fees for 1 and China Bank Credit Card are respectively 3 1.95%, 6/5.4%, 12/7.5%, 18/0/.7% and 24/kloc.

2. ICBC credit cards can be divided into three phases, six phases, nine phases, 12, 18 and 24 phases, of which three phases are free, and the subsequent charges are 1.8%, 2.7%, 3.6%, 5.85% and/kloc-0 in turn.

3. The installment fee of China Everbright Credit Card can be divided into applying for installment repayment before consumption, and 0.5% is charged every month for 12. It can also be divided into three phases, six, nine and 12, and the handling fees are 2%, 4%, 5% and 6% respectively.

Can the installment interest be refunded?

Credit card installment interest can be refunded by the bank under certain conditions. According to the regulations, only the interest not generated by the cardholder's active installment can be returned. For example, the bank called to say that staging has many advantages, but it didn't make it clear that staging would generate some extra expenses. In this case, the installment payment can be refunded. If the bank insists on not refunding, it can call the Banking Insurance Supervisor to complain. However, if it is the cardholder's personal reasons, it is difficult to recover the expenses.