The billing installment fee is charged at 0.7% of the transaction amount/month, the prepayment fee is RMB 20 or USD 2.5 for the remaining billing installment fee plus prepayment fee, and the cancellation fee is RMB 20 or USD 2.5 for the first billing installment fee.

Terms of credit card bill installment payment of Huaxia Bank

1. The bill installment function is only available to the cardholders of Huaxia Credit Card.

2. The minimum amount for applying for bill installment is RMB 500 yuan or equivalent foreign currency, which is limited to the consumption amount (excluding cash withdrawal, handling fee, interest, installment payment and other transactions designated by the bank).

3. This function can only be used after the cardholder has paid off the minimum repayment amount of the current bill.

4. After the cardholder successfully applies for bill installment, the number and amount of installment applied for cannot be changed.

5. After the application for this function is successful, the bill installment fee will be charged in installments, and the total installment amount (including installment principal and handling fee) will be amortized monthly. The monthly amortization amount will be accurate to the warehouse, and the part that cannot be divided will be deducted in the last period. In case of any overdue payment, the late payment fee and interest shall be paid according to the relevant regulations of Huaxia Credit Card.

6. Huaxia Bank Credit Card Center will charge related fees in accordance with the published "Huaxia Credit Card Charging Standard" for billing installment fees, prepayment fees and cancellation fees.

7. If the cardholder needs to cancel Huaxia Credit Card within the repayment period, he must pay off the outstanding debts and other debts of "bill installment" in advance, and then go through the cancellation procedures.

8. If the cardholder's Huaxia Credit Card is frozen by Huaxia Bank Credit Card Center, other credit ratings are lowered, and debts are not fulfilled, Huaxia Bank Credit Card Center has the right to directly regard the undistributed amount of the cardholder's "bill installment" as all due, and the cardholder shall repay all the remaining funds and corresponding expenses in one lump sum.

9. If the cardholder still has extra money after paying Huaxia Credit Card every month, this money will be regarded as overpayment, and the principal part of "bill installment" will not be paid off in advance.

10. The final interpretation right of this function belongs to Huaxia Bank Credit Card Center.