Instalment repayment of Agricultural Bank of China’s Golden Harvest QQ co-branded IC credit card:

1. The principal of each installment payable is equal to the consumption amount applied for the installment (hereinafter referred to as the "installment amount") ") divided by the number of installments, the installment handling fee payable in each installment is equal to the installment amount multiplied by the monthly handling rate.

The calculation of the principal payable in each installment is accurate to the dollar, and the calculation of the installment fee is accurate to the digit. If the amount of the principal payable in each installment cannot be divisible by the number of installments, the decimals are rounded off. The amount is split according to the method, and the difference is adjusted in the last period.

If there is partial overpayment in the current period, the installment amount will be the consumption amount minus the overpayment. If it is less than 500 yuan, you cannot apply.

2. When the cardholder repays the current repayment amount listed on the bill in full before the due repayment date, the principal repayment of the monthly consumption installment can enjoy an interest-free period; the installment handling fee will be fully charged. The amount is credited to the minimum monthly payment of the credit card and should be repaid on schedule along with the principal. If the applicant fails to repay the loan on time, Agricultural Bank of China has the right to charge interest based on the credit card's overdraft interest rate and interest calculation method, and charge relevant fees based on the credit card's charging standard and charging method.

3. When an installment is over-repaid, if the over-repayment is not enough to repay the principal of the next installment, the repayment will be deemed to have repaid the principal of the final installment. The number of repayment periods is The repayment amount of other periods remains unchanged; if the overpayment is sufficient to repay the principal of the next installment, the number of repayment periods will be automatically reduced, and the handling fee will be charged according to the actual number of periods; if the principal of the installment payment has been Once the payment is completed, the installment payment shall be deemed to be completed.

4. If a return occurs for a transaction that has successfully applied for consumption installment, and the returned amount cannot repay the installment principal, the installment plan will continue to be valid; if the installment principal is fully repaid, the installment plan will be When the payment plan ends, the fees collected are not refundable.