The interest rate for credit card borrowing depends on the charging standards of the specific card-issuing bank and the type of borrowing, such as credit card consumption, credit card cash withdrawal, and credit card loan. Furthermore, it also depends on whether it is staged.

Take the Bank of Communications credit card loan of 10,000 yuan a month as an example:

1. Credit card withdrawal, the interest is: 10000*0.05%*30=150 yuan, then the total** *10,150 yuan has to be repaid;

2. Haoxiandai, the borrowing interest rate is 0.72%, and the interest is: 10,000*0.72%=72 yuan, then the total ***10,072 yuan has to be repaid;

3. Haoxian Loan, the borrowing interest rate is 0.75%, and the interest is: 10000*0.75%=75 yuan, then the total payment is 10075 yuan.

Credit card installment repayment:

1. There are five types of bank credit card installments: 3, 6, 9, 12, and 24. The handling fee is generally 0.60%, and the handling fee is charged The method is to charge the current handling fee every month.

2. If 10,000 is divided into 12 periods, the handling fee is: 10,000*0.6%*12=720; the principal plus handling fee is 10,00720=10,720. Calculated, the monthly repayment is 893.33 yuan.

Credit card installment payment means that when the cardholder uses a credit card to make large purchases, the bank pays the merchant a one-time payment for the goods (or services) purchased by the cardholder, and then allows the cardholder to pay in installments The process of repaying money to the bank. The bank will deduct the consumption funds in installments from the cardholder's credit card account based on the cardholder's application, and the cardholder will repay according to the monthly credit amount. The single-period handling fee is 0%~1.67%, and one period is one month. The bill installment handling fee is included in the monthly bill of the installment repayment. The handling fee per period = the total installment amount × the handling fee rate per period. Finally, The rate is subject to the actual order situation. No interest will be charged for timely and full monthly repayment after installment. The principal of each installment = total installment amount/number of installments. The handling fee of each installment = the total amount of installments * monthly handling rate. The principal and handling fee of each installment are calculated monthly. Issue the bill. After the cardholder successfully applies for bill installment, the installment amount will be included in the bill starting from the latest installment after the installment. The handling fee for each installment will be recorded at the same time as the installment amount, and will be included in the minimum repayment amount. If the cardholder fails to repay the remaining balance of the current bill on time after the application is successful, it will be regarded as incomplete repayment, and the current bill will not enjoy the interest-free repayment period for consumer transactions.