2. In the fee schedule of 15 bank, ICBC and China Merchants Bank have the lowest fees, which are 825 yuan and 1350 yuan respectively. ICBC, Agricultural Bank of China, Bank of China and Postal Savings are all the lowest 1800 yuan, and CITIC Bank has a maximum of 2,400 yuan; In the 9th issue, ICBC, ABC and BOC were close to the people for 2,700 yuan, while CITIC Bank was 3,420 yuan higher. ICBC, Agricultural Bank of China, Bank of China, China Construction Bank 12 share of the handling fee can accept 3600 yuan, and China Everbright Bank has a maximum of 4425 yuan; 18 The most cost-effective period is 5,400 yuan for CCB and 6,750 yuan for CITIC Bank. Postal Savings Bank offers the best discount of 5,400 yuan in the 24th issue, and CITIC Bank is the most expensive of 9,000 yuan.
I. Charge standard for cash installment
The monthly benchmark interest rates of CCB credit card cash installment are 0.8 1% for three installments, 0.75% for six installments, 0.75% for 12 installment, 0.75% for 18 installment and 0.75% for 24 installments. (Note: Monthly handling fee = total installment amount * monthly rate, which will be recorded and collected on schedule on each billing day after installment. ) If the amount payable in the current period listed in the bill is fully repaid before the due repayment date, you can enjoy the interest-free treatment of repaying the principal in installments in the current month, and no interest is calculated.
Second, the charging standard in the consumption stage
The service fee rate of consumer installment payment is calculated according to the number of installments you apply for. The charging standards are 0.70% for 3 installments, 0.60% for 6 installments, 0.6% for 10 installment, 0.60% for 12 installment, 0.60% for 18 installment and 0.60% for 24 installments. Handling fee per period (month) = amount per period * handling fee rate of corresponding periods. This quotation is the benchmark price of the head office. Please refer to our tips when you actually handle it. If the amount payable in the current period listed in the bill is fully repaid before the due repayment date, you can enjoy the interest-free treatment of repaying the principal in installments in the current month, and no interest is calculated.
Third, credit card installment needs to pay attention to these points:
1. Number of periods and commission rate. The fewer stages, the lower the handling fee, and the more stages, the higher the handling fee. Different banks have different terms and commission rates. You can go to the bank in official website for details. (running environment: browser computer: macbookpro mos 14 open google version 92.0.4515.131).
2. Prepaid fees are not refundable.
3. Apply to the bank for installment, not all bills can be installment, and a part of the amount will still be paid in the month.