If you buy a mobile phone by installment with a credit card, and the mobile phone costs 2,000 yuan, you will pay a down payment of 500 yuan. Is the subsequent staging 1500 yuan? Or 2,000 yuan in installments? Credit cards can only apply for points within a fixed amount;

If you make a down payment in cash, you only need 1500 installments; If the total credit card amount is 2000 yuan, it can be phased.

I. Handling fee collection method:

ICBC and BOC charge fees in one lump sum, while other banks share the fees in different periods. There are also differences in the treatment of staging time. Some banks, such as Shanghai Pudong Development Bank, China Construction Bank and China Everbright Bank, charge lower fees and take longer. Whether to calculate the late installment fee for prepayment is also different. For example, Guangfa only charges extra fees for prepayment, while most banks continue to charge fees.

Second, the handling fee standard:

Installment fee = installment principal * installment fee rate per installment * number of installments

1, ICBC: three issues are free, six issues 1.8%, nine issues 2.7%, 12 issues 3.6%, 18 issues 5.85% and 24 issues 15.6%. (One-time charge)

2. ABC: 0.6% per month (charged monthly).

3. Bank of China: Phase III 1.95%, Phase VI 3.6%, Phase IX 5.4%, Phase VI 7.5%, Phase IV 1 1.7% (one-time charge).

4. CCB: 0.7% for Phase III and 0.6% for Phase VI, 12 (charged monthly).

5. CITIC: 1, 1.50%, 0.82% for Phase III, 0.82% for Phase VI and 0.77% for Phase II (charged monthly).

6.Pufa: 0.72% for Phase III, 0.7% for Phase VI, and 0.66% for 12 (charged monthly).

7. China Merchants Bank: 0/.0% for Phase 2, 0.9% for Phase 3, 0.75% for Phase 6, 0.7% for Phase 0/0, 0.66% for Phase 0/2, 0.68% for Phase 0/8 and 0.68% for Phase 24.

8. Bank of Communications: 0.72% per month (charged monthly).

9. Guangfa: 0.65% for 6 issues 12, 0.7% for 18, and 0.72% for 24 issues (charged monthly).

10, everbright: apply for repayment by installments before consumption, 12 months, and charge 0.5% every month. There are 3 installments, 6 installments, 9 installments and 12 installments, and the handling fees are 2%, 4%, 5% and 6% respectively (one-time charge).

1 1, Xingye: 0.8% for Phase 3, 0.7% for Phase 6, 0.7% for Phase 12, 0.72% for Phase 18, 0.72% for Phase 24 and 0.72% for Phase 36 (collected by installments);