In order to reduce the pressure of monthly repayment, many small partners will choose the installment payment business when making large consumption, that is, installment payment. What are the rules for installment payment? Generally speaking, the longer the installment time, the higher the installment fee rate. What is more cost-effective?
Related knowledge: installment fee and minimum repayment amount of credit card of Shanghai Pudong Development Bank.
1. Free introduction of credit card installment payment of Shanghai Pudong Development Bank
Shanghai Pudong Development Bank provides free installment payment for eligible credit card users. As long as the single consumption amount is above RMB 500 yuan (inclusive), you can apply to Shanghai Pudong Development Bank to convert the consumption amount into installment payment two days after spending by credit card until the current bill is due and repaid.
Installment application: telephone application, website, salesman and counter.
Staging types: bill staging, single staging, shopping center staging and mail order staging.
Installment amount: single installment amount of 200 yuan and installment amount of 500 yuan.
Deduction method: Deduction in each period.
Agreement on prepayment: one-time repayment
Re-interpretation of the credit card installment purchase method and handling fee of Shanghai Pudong Development Bank.
Second, Shanghai Pudong Development Bank credit card consumption installment payment rules
Application amount: One-time consumption above 500 yuan.
Application time: 2 days after credit card consumption to the current bill due for repayment.
Number of installments and commission rate:
Period expense rate
0.78% in the sixth stage
12 0.74%
15 0.75%
18 0.76%
24 periods 0.76%
How to calculate the interest of credit card installment payment in Shanghai Pudong Development Bank? explain
Application method:
(1), call the Shanghai Pudong Development Bank Credit Card Center to apply for the hotline 400-720-7888, or call the 24-hour customer service hotline 800-820-8788 or (02 1)3878-4988 to apply for installment payment.
(2) Log in to "Online Account Service" on the credit card center page of Shanghai Pudong Development Bank and apply for installment payment.
Which is easier to raise the amount, Pufa Free Installment or Bill Installment?
Because young people in today's society especially like to spend in advance, credit cards have become a hot topic. It is understood that the free installment and bill installment of Shanghai Pudong Development Bank are more free, and it is easier to raise the amount. Free analysis is only the simplest repayment method for credit card installment.
1. which is easier to raise the amount, Pufa free installment or bill installment?
Credit card bill installment payment is a kind of credit card installment payment, which means that the credit card holder asks the credit card center to return the consumption amount to the bank in installments after swiping the card. Credit card installment payment is the simplest installment payment method. Just call the bank credit card center to apply for installment payment after the bill date of credit card consumption and before the due repayment date. Generally speaking, as long as there is no bad personal credit record, you can get approval. Credit card installment consumption means that after the cardholder swipes the card, if the single consumption amount reaches the minimum consumption amount stipulated by the bank, the cardholder can apply to the bank to split the consumption into several repayments, and then the bank will charge the consumption in installments to the credit card account.
Second, what is free installment?
The word freedom, in its original meaning, refers to a state without obstacles. Obstacle refers to the external obstacle of movement, which can be used for irrational and lifeless creation and rational creation. Freedom is a comfortable and harmonious psychological state, free from fear, slavery and harm, satisfying one's own desires and realizing one's personal value. Freedom has both the right to do whatever you want and the obligation not to hurt others. Set several deadlines. Mao Zedong's speech at the Second Plenary Session of the Eighth Central Committee in China: Everyone should admit his mistakes and take them back during this period, or return them in stages later.
As can be seen from the above, it is easier for Pufa to analyze and increase the quota for free, but it is still recommended that you must repay within the credit card repayment period to avoid overdue phenomenon, otherwise it will be blacklisted by the bank.
Which is easier to raise the amount, Pufa free installment or bill installment?
It's all the same
Pufa credit card installment can be roughly divided into three categories: free installment, bill installment and contract installment. Free staging, such staging, is very free. Cardholders can make purchases at the same time, and there is no limit on the number of times and time. As long as the single sum is in 200 yuan and above, they can divide it if they want. There are many ways for Shanghai Pudong Development Bank to handle it by stages freely. Cardholders can directly call the bank's customer service hotline to apply for manual customer service, or apply directly at Shanghai Pudong Development Bank and WeChat client.
There is an upper limit on the installment of bills, which is 95% of the issued bills. There are two staging methods: open bill staging and full bill staging. Among them, unpaid bills in installments are only applicable to the number of unpaid installments; Full account temporary storage will temporarily store invoiced and unbilled bills. No matter which one you choose, cardholders can choose WeChat, Xida Puben APP and telephone application. Signing installment is also the automatic installment business of Shanghai Pudong Development Bank's credit card. Cardholders can choose the number of installments and the amount of the first installment when signing the contract. After signing the contract successfully, as long as the transaction amount reaches the initial installment amount, the system will default to installment according to the agreement at the time of signing, and there are many processing channels, such as WeChat, Xida Puben APP, and telephone.
What's the difference between consumption installment and bill installment?
Credit card installment means that if a single consumption amount reaches the minimum consumption amount stipulated by the bank, the cardholder can apply to the bank to split the consumption into several repayments, and the bank will charge the consumption into your credit card account several times. Credit card bill installment payment is a kind of credit card installment payment, which means that the credit card holder asks the credit card center to return the consumption amount to the bank in installments after swiping the card. Installment payment of credit card bill is the simplest installment payment method. You only need to call the bank credit card center to apply for installment payment from the billing date of credit card consumption to the due repayment date. Generally, as long as there is no bad personal credit record, you can get approval.
What does Shanghai Pudong Development Bank mean by free installment payment? Is it open by default?
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Free installment payment of Shanghai Pudong Development Bank means that you can choose installment payment according to your own ability. Not enabled by default.
At present, many bank loans can be freely phased, and the installment time can be selected according to their repayment ability.
So much for the introduction of free installment of Pudong Development Credit Card.