1, credit card installment fee = installment principal * installment fee rate * number of installments.
The monthly repayment amount of 220,000 RMB 12 credit card varies according to the interest rates and repayment methods of banks. For example, the installment interest rate of ICBC 12 reaches 3.58%, including the handling fee. The first installment should be RMB 2,382.74, and the rest should be RMB 1666.66.
But ABC, CCB and postal services are different. The principal payable for each period is 65,438+0,666.67 yuan, and the amount payable for each period is 65,438+0,786.67 yuan with interest.
Expansion: increase the credit card quota;
1, store moving bricks.
One of the major difficulties of banks is to attract users, and grasping this point can get twice the result with half the effort. Specifically, after you are optimistic about a bank's credit card, you will transfer the money to this bank, resulting in running water. If you can apply for a time deposit or purchase wealth management, the probability of applying for a large card is higher. This method not only plays an important role in applying for a new card, but also helps to increase the limit of our credit card, but if you have money or no money, you can only find your own way!
2. Find the associated bank.
The connection here refers to which bank you have funds and business dealings with, such as which bank your salary card is from, which bank you have more deposits in, and which bank your social security accumulation fund is from. If you apply for a bank with which you do business.
3. Integration of fixed assets
Banks are institutions that talk with money. This method is suitable for people with fixed assets to apply for large credit cards directly. For example, if you have a house, car lights and other fixed assets under your name, the amount of the card will not be low if you submit the supporting materials and approve it for you in minutes.
4. First low, then high
Apply for a bank credit card first, and don't care too much about its quota. Use the withdrawal method you saw earlier to withdraw the amount from this credit card. After a period of time, the new credit cards of other banks in the category will generally not be lower than the previous cards, so there will be one more card.