It can be divided into 12 periods at most.
Interest-free here is actually to convert interest into a handling fee of 0.6% per period.
1. "yangyanghang" interest-free installment payment was officially accepted for registration on March 2, 20061.
2. The cardholder dials the customer service hotline of Guangfa Bank and registers "Yangyanghang" interest-free installment payment, which is equivalent to the cardholder accepting all the terms of the project.
3. Business cards, business cards and supplementary cards will not enjoy this service for the time being.
4. Billing transactions do not accept "Yangyanghang" interest-free installment registration. Please pay attention to the installment payment request made by the cardholder before the current bill date.
5. Within five working days after the cardholder successfully registers for installment payment, Guangfa Bank will deduct the "principal share" and the down payment fee, and deduct the installment payment on the same day of each month during the repayment period.
6. The calculation of the "principal share" and handling fee of each period is accurate to sub-positions, and the undivided part of the principal is deducted in the last period.
7. The "principal share" and handling fee are included in the total amount of transactions payable in the cardholder's monthly bill. The 1 installment of "principal distribution" will be fully included in the minimum repayment amount, and the remaining installments can choose to repay the minimum repayment amount. Please refer to the credit card customer agreement of Guangfa Bank for specific terms. If the repayment amount of any installment is overdue, the deferred repayment shall be calculated according to the Credit Card Customer Agreement of Guangfa Bank.
8. Cardholders can register multiple installment transactions at the same time, but each transaction must be registered in full. Transactions that have been paid by installment for cardholders (including "Yangyanghang" interest-free installment and mail order installment) cannot be registered again.
9. If the successfully registered "Yangyanghang" interest-free installment payment transaction belongs to the merchant type with 3 times points selected by Zhenqing Card, you cannot enjoy the discount of 3 times points accumulated by Zhenqing Card, and you can only accumulate regular points on a monthly basis.
10. If the cardholder still has extra money after paying the credit card account every month, the money will be regarded as his own deposit, and the principal part of the interest-free installment payment of Yangyanghang will not be paid off in advance.
1 1. If the cardholder cancels or withdraws the interest-free installment payment of "Yangyanghang" after registration, Guangfa Bank will regard the installment payment as early settlement. Within two working days after the prepayment is proposed, Guangfa Bank will deduct the unpaid principal and the first-phase formalities fee from the cardholder's account in one lump sum, and the formalities fee deducted in the previous period will not be refunded.
12. If there is a refund between the cardholder and the merchant, please ask the cardholder to call to cancel the installment payment, and Guangfa Bank will settle it in advance.
13. If the cardholder needs to cancel the card within the repayment period, please pay off the outstanding installment payment in advance before asking for card cancellation.
14. Guangfa Bank reserves the right to finally approve the registration of "Yangyanghang" interest-free installment payment, decide the approved amount and adjust the number of installments.
15. The customer successfully registered "Yangyanghang" interest-free installment payment. Guangfa Bank will examine and approve whether installment payment occupies the credit line of the card according to the customer's card usage, and notify the customer of the occupation by SMS after examination and approval. Please pay attention.
16. If the cardholder's credit card is frozen by the bank, other credit ratings are lowered, and debts are not fulfilled, Guangfa Bank can directly regard the installment credit debts of the cardholder as all due, and the cardholder shall repay all the remaining funds and corresponding expenses in one lump sum.