Postal Savings Bank Card: The principal repayment in each period is: 26000/24=1083.34 yuan/month; the handling fee in each period is 0.6 of the transaction amount, that is, 26000*0.006=156 yuan/month. The monthly *** total is 1083.34 156=1239.34.

Bank of Communications Card: Principal repayment in each period: 26000/24=1083.34 yuan/month; the handling fee in each period is 0.72 of the transaction amount, that is, 26000*0.0072=187.2 yuan/month, each The monthly *** total is 1083.34 187.2=1270.54.

In total, over the 24 months, Postal Savings saves 748.8 yuan compared to transportation.

Extended information:

Disadvantages of credit card installment payment:

If you spend 12,000 points to repay it in 12 months, and repay 1,000 yuan per month, on the surface it looks like It's like this: Assuming the handling fee is 0.6, then you will have to pay an extra handling fee of 12,000*0.6=72 yuan every month. If you pay it off in 12 months, you will have to pay an extra 864 yuan, and the annual interest rate is 7.2.

But interest and handling fees are different. You are repaying the bank every month, but the handling fee for installment repayment remains the same: in the first month, you owe the bank 12,000 yuan, and the handling fee It is 72 yuan. In the last month, you only owe 1,000 yuan, but the handling fee is still 72 yuan! Averaged over the whole year, your annualized rate is as high as 15!

Most banks stipulate that once a credit card bill is installmentd, if the installment fee is paid monthly, then even if you repay the loan in advance, you still need to pay the fee for the remaining months. Finally, a reminder, whether it is consumption installment or cash installment, you must repay it on time, otherwise not only will it not be interest-free, but you will also have to pay penalty interest, which will affect your personal credit and you will be in trouble!

Reference materials: