As a payment tool with its own restrictions, credit card can be consumed in advance. When a credit card is used for consumption or repayment, it can also be paid in installments or repayment. So some people will ask: how many times is the most cost-effective credit card installment? Also, how many installments can a credit card be divided into at most? I will answer your question today.
What is the most cost-effective credit card installment?
The credit card installment fees of different banks are different, generally ranging from 1%. However, the longer the number of credit cards, the more expenses are needed, so from this perspective, the shorter the number of credit cards, the more cost-effective.
For example, I have a credit card, and the handling fee for the third installment is 12. Therefore, I divided 10000 yuan into three phases, and only 180 yuan was needed for the third phase, while 12 required 900 yuan's handling fee. It can be seen that it will be more cost-effective to have fewer stages.
Of course, the specific number of periods still depends on your actual needs. Although the long installment will require more handling fees, the pressure of repayment in the short term is less than that in the short installment. So everyone can go on stage according to their own needs.
How many installments can a credit card be divided into at most?
Credit cards of different banks can be divided into different periods, and the types of periods are different, so they can be divided into different periods.
The shortest credit card can be divided into 1 period, and the longest can be divided into 36 periods, which means the longest can be divided into 3 years.
However, most banks' credit cards can be divided into 3 to 24 periods.
The above is "How many credit card installments are the most cost-effective?" How many installments can a credit card be divided into at most? "The answer. The longest credit card can be divided into 36 periods. According to the handling fee, it is obvious that the shorter the number of installments, the more cost-effective. However, the repayment pressure of the long-term number is at least lighter than that of the short-term number, so everyone can stage it according to their actual needs.
How much credit card installment is appropriate?
The interest rate of credit card installment payment may be different from bank to bank. Take four major behaviors as examples:
I. Industrial and Commercial Bank of China
The interest of ICBC's credit card installment payment is 0.9% for the third installment, 0.8% for the sixth installment, 2.7% for the ninth installment, 3.6% for the 12 installment, 5.4% for the 18 installment and 7.2% for the 24th installment.
Second, China Construction Bank.
If CCB pays by installment, it can be divided into three installments, six installments, 12 installment, 18 installment and 24 installments. Among them, except for the interest of the third installment, the interest of the sixth installment, 12 installment, 18 installment and 24 installment is calculated at 0.6% per installment.
Three. agricultural bank
If the credit card of Agricultural Bank of China is paid in installments, it can be divided into 3 installments, 6 installments, 9 installments, 12 installments and 24 installments. No matter how many credit card installments are made by ABC, the interest is calculated at 0.6% per installment.
4. Bank of China
China Bank's credit card installment payment can be divided into three installments, six installments, nine installments, 12 installment, 18 installment and 24 installment, in which the interest of the third installment is calculated at 1.95%, the interest of the sixth installment is calculated at 3.6%, and the interest of the ninth installment is calculated at1.
Although there are many online lending platforms in the market, the credit lines given to borrowers by different platforms are different. If the borrower has a large capital gap, such as a loan of 30,000 yuan, it is recommended to borrow from a large-scale and powerful loan platform. So, which platform can borrow 30 thousand? Let's take a look at the loans of these five licensed financial institutions, and they are all generous to eligible borrowers.
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How much is the most cost-effective credit card installment?
It depends on which bank's credit card it is. For example, the installment fees for ICBC credit cards are 1.65%, 3.6%, 5.4%, 7.2%, 18+ 1.7%, 65438+24. Agricultural Bank of China credit card installment fee: 0.48% for the 3rd-6th installment and 0.45% for the 9th-24th installment. China Bank's credit card installment fee: 3 1.95%, 6/3.6%, 9/5.4%, 18/7.5% and 241.7%. The installment fee of CCB's credit card: 0.7% for the third installment and 0.6% for the sixth installment, 12 installment.
The use of credit cards is as follows: swiping cards on POS machines is the most common way to use credit cards, and it is also a way to swipe cards online. When swiping a card, the operator should first check the validity period of the credit card and the cardholder's surname. Then, according to the issuing bank and the currency to be paid, select the corresponding POS machine, brush the magnetic stripe of the magnetic stripe credit card on the POS machine, or insert the chip credit card into the card slot, contact the bank and pay++,and input the corresponding amount. After the remote payment++accepts the information, the POS machine prints a receipt (at least two copies) for payment by credit card, and the cardholder signs the receipt after checking that the information on the payment receipt is correct. After checking the signature on the receipt and the signature on the back of the credit card (including the complete name matching and the basic handwriting matching), the operator sends the credit card copy and the credit card payment receipt to the cardholder. At this point, the credit card swiping program on the POS machine is completed.
It is a new credit card usage mode and networking mode, which is sensed by swiping the card on the RFID machine. When picking up the card, the operator must first check the validity period of the credit card and the cardholder's last name. Then, according to the issuing bank and the kind of currency to be paid, select the corresponding punching machine, input the corresponding amount, and lay the credit card flat on the sensor for no more than 10cm. After the RFID machine senses the credit card, it will send out a signal sound and then continue to run the program. Remote Payment++After receiving the information, the printer (if connected) will print out a receipt for credit card payment, but unlike the previous method, the cardholder does not need to sign, which is faster and more convenient than the previous method. At this point, the card swiping induction program on the RFID machine is completed. From the cardholder's point of view, online payment is considered to be one of the most risky payment methods for credit cards, because malicious people may steal user information by means of phishing, eavesdropping on network information and fake payment. Pre-authorization is generally used to pay a deposit, that is, to freeze the available amount of a part of a credit card as a deposit. The process of pre-authorization is similar to manual bill pressing, but the content of the phone call is to ask for the pre-authorization of the corresponding amount, not to ask for money or to press the bill, but to issue a deposit receipt certificate.
How much is the credit card installment cost-effective, and the introduction of the credit card installment fee ends here. I wonder if you have found the information you need?