1. After installment payment is selected, the cardholder cannot use the minimum repayment amount because there are three repayment methods: installment payment, minimum repayment amount and deferred repayment amount. Cardholders can only choose one of them as a credit card repayment method. Among them, the installment fee is fixed. At present, some credit cards have introduced bill installment and one-time consumption installment. Pay in installments, without paying in advance, and the handling fee is irrevocable. I have to say, there is a handling fee or interest for credit card installment and minimum repayment. According to the regulations of the bank, credit card installment payment can only be repaid in the next installment.
2. The repayment principal and handling fee of each installment are included in the minimum repayment amount of the next installment. It can be seen that the minimum repayment amount cannot be repaid after the credit card is paid in installments. However, if the arrears are not fully amortized during this period, the remaining unamortized amount or the new consumption arrears after installment payment can still be repaid at the minimum. The minimum repayment rate of many banks is 65438+ 00% of the amount owed. The minimum repayment amount after the next bill comes out: the principal repaid in the current period+handling fee, not 00% of 65438+ amortization amount. The credit card has been paid in installments. If the minimum repayment amount is needed, the installment bill cannot be repaid according to the minimum repayment amount, and it can only be repaid in full and on schedule according to the amount of each installment after applying for installment; All bills except credit card installment can be repaid at the minimum amount. If other bills are repaid with the minimum repayment amount, the monthly repayment amount (including installment payment) is the monthly installment payment plus the minimum repayment amount of other bills. The credit card has paid the installment bill.
If you want to pay the minimum repayment amount, you can't pay the installment with the minimum repayment amount. After applying for installment payment, you can repay in full and on time according to the repayment amount of each installment. Bills other than credit card installments can also be repaid at the minimum amount. If other bills are repaid with the minimum repayment amount, the monthly repayment amount (including installment payment) is the monthly installment payment plus the minimum repayment amount of other bills. The calculation method of credit card installment is to multiply the total amount of the first installment by a certain interest rate coefficient instead of the monthly balance.
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Installment payment is interest-free, but there is a certain handling fee. The service charge of credit card is very high. If you want to pay in advance, you need to make up the remaining service fee.