1. If you do repay it in several installments, then the handling fee will definitely be charged, and there is no reason for you to come back;

2. I estimate that your situation is , you applied for installment and then canceled it, but the bank has already charged the handling fee and you want it back;

Let me tell you clearly that you should not make any plans for this money, the bank will not refund it to you. Because when you apply for a credit card, there is an article in the agreement that the installment fee will not be refunded; there is no way, the bank’s overbearing terms are like this, you can only admit that you are unlucky;

You will learn from the mistakes. Just be wise, just be more cautious when making installments in the future, just spend money to buy a lesson.

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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. funds, and then allows the cardholder to repay the bank in installments and pay processing fees. The bank will deduct consumption funds and handling fees from the cardholder's credit card account in installments based on the cardholder's application, and the cardholder will repay according to the monthly credit amount.

Handling fee

In the early days of the credit card installment business, banks often promoted it as "interest-free", and indeed many citizens were "fooled". In fact, interest-free is not free, it’s just called something different. Credit card installment payment

In general, the one-year credit card installment payment fee is lower than the annual cash withdrawal interest of 18% and higher than the bank's one-year commercial loan interest of 5.31%. It is worth mentioning that commercial bank loan interest rates have been reduced several times since last year, but the standards for credit card installment fees and cash withdrawal interest have rarely changed. Although the standards for credit card installment fees vary from bank to bank, the calculation method is roughly the same.

Assume that the installment amount is 1,200 yuan, divided into 12 installments, with each installment (monthly) repayment of 100 yuan, the handling fee is 0.6%/month, and the actual monthly deduction is 101200×0.6%=107.2 Yuan. If other factors are not considered, the convertible nominal annual interest rate is 7.2%. However, the cardholder does not always owe the bank 1,200 yuan. In the last month, he actually only owed the bank 100 yuan, but the bank still charged a handling fee of 1,200 yuan. .

According to calculations, the true annual interest rate paid by cardholders is approximately 15.48%. According to the correct calculation formula, it should be 1200*6%*(1+6%)^12/((1+b)^12-1)=103.94 yuan, which means an extra 3.2% handling fee will be paid in each period.

The main benefits of credit card installment payment:

1. Enjoy it first, pay later.

2. No guarantor required and the procedure is simple.

3. Fixed time and fixed amount, easy payment.

4. You can choose any monthly repayment amount as you like.

5. More options for payment methods.

Business type

From the perspective of the form of installment payment, when cardholders handle this business, the starting amount of a single transaction is limited, and the installment repayment grade and handling fee are limited. The standards are also different; they can be roughly divided into three categories:

The first category is carried out in cooperation between banks and special merchants, but the product types are limited;

The second category is where banks provide product catalogs , the cardholder selects and purchases from the catalog, and the bank entrusts the supplier to deliver the goods to the customer;

The third category is that the merchants and goods are not limited, and the cardholder applies to the bank for installment repayment after shopping. Just make a payment, and some banks even set the acceptance scope to be global.