2. Bank ATM withdrawal: Users can withdraw money with credit card and password at the bank ATM with UnionPay logo. Generally, you need to pay a handling fee and interest, the handling fee is 65438+ 0% of the withdrawal amount, and the interest is charged at the daily interest rate of 0.05%.
Credit card withdrawal is set up by the bank to meet the cardholder's urgent need for cash. At present, the charge standard for cash withdrawal by credit card is very high. When withdrawing the credit card, the handling fee of 1-3% will be deducted immediately, and the interest will be calculated at the rate of five ten thousandths per day, and the compound interest will be calculated monthly. Therefore, please do not use the credit card cash withdrawal function unless it is an emergency.
But now there is a person in the society who uses a credit card to show it on a POS machine to collect cash. Avoid restrictions on credit card cashing.
Credit card installment payment refers to the business that when a cardholder uses a credit card to make a large amount of consumption, the card-issuing bank pays the consumption funds of the goods (or services) purchased by the cardholder to the merchant in one lump sum, and deducts the consumption funds through the cardholder's credit card account in stages according to the cardholder's application, and the cardholder repays according to the monthly recorded amount.
In the past, credit card installment mainly included bill installment and single consumption installment, and banks usually charged corresponding handling fees according to the number of installments. Whether it is bill installment or single consumption installment, the premise is to generate consumption behavior first, and then the bank will set installment repayment for the generated credit loan.
Most domestic banks have credit card installment business. Installment payment is generally divided into POS installment, "mail order installment" and bill installment according to different occasions.
Shopping mall staging, also known as POS staging, refers to cardholders going to shopping places, such as "shopping malls" that can be staged. When you check out, you need to pay by installment with a credit card supported by the mall. Then the cashier will swipe the card on the special POS machine according to the number of periods required by the cardholder (such as 3 periods, 6 periods, 12 periods, etc.). There are also a few shopping malls that support the 24 th issue).
Note: When staging in the mall, you need to verify the identity of the cardholder and remember to bring your ID card. Shopping malls are generally free in three stages. The rates for Stage 6 and Stage 12 vary from bank to bank. As long as the goods are sold normally in shopping malls, they can generally be paid by installments. In many cases, the cardholder can also bundle a number of goods together for settlement, and then pay in installments.
Mail order installment means that the cardholder receives the installment mail order catalog manual sent by the issuing bank (or the online installment mall of the bank) and chooses from the limited goods. Then the bank orders in installments through online installment mall, telephone or fax installment application form, etc. Generally, there is no handling fee for mail order installment regardless of the number of installments. However, due to the long ordering cycle (in many cases, it takes more than 15 working days to get the goods), and the return is relatively complicated. It is recommended to compare before buying.
Bill installment is the most convenient installment method, which is basically supported by all issuing banks and is simple to apply. Users only need to apply to the issuing bank for installment by phone after spending their credit cards and before sending monthly bills.
However, it should be noted that banks will stipulate some special circumstances, such as speculative credit cards can not be successful in installments. So before the trial run, be sure to read the trial run manual carefully. The disadvantage of bill installment is that it can't exempt the handling fee. The longer the number of installments, the higher the handling fee, and the cardholder must bear it himself.