Guangdong Development Bank credit card installment fee installment number 6 12 18 24 installment fee rate 0.70%0.70%0.72%0.72% Description of interest-free installment fee charges of branches of Guangfa Credit Card: each installment time is one month, and the installment fee proportion standard is calculated according to the application principal. Calculation method of specific charging standard for installment payment: If the installment payment is made in advance, the unpaid handling fee for the remaining installments will be charged in one lump sum when the installment payment is made in advance. The handling fee is 0.65% and the principal is 5000 yuan. The amount payable for each installment in six months is: 50,000.65%+(5,000/6) = 865.83, and 565,438 yuan +094.98 yuan in total in six months. The repayment amount for each installment in twelve months is: 50000.65%+(5000/12) = 449.17. The total repayment for twelve months is: 5390.04 yuan.
How to calculate the installment fee of Guangfa owner's credit card?
All credit cards of Guangfa Bank have installment function, and this owner card is no exception. Before staging, you should first understand the related matters of card staging, such as handling fee, number of staging periods, staging limit and staging method. Let me introduce it to you.
Compared with other credit card installment, the installment starting point of Guangfa Credit Card is relatively low. As long as the one-time consumption exceeds that of 500 yuan, you can apply. Only 90% of the current bill amount can be paid in installments, which is ok.
In terms of the number of periods, only 6 periods, 12 periods, 18 periods and 24 periods can be selected, and the longer periods of 18 periods and 24 periods correspond to higher handling fees;
Take the 5,000 yuan installment of Guangfa owner's credit card as an example, and the installment amount is 4,500 yuan. Calculate the handling fee and principal and interest of each installment:
1, divided into 6 installments: monthly payable principal: 4,500 ÷ 6 = 750 yuan, and monthly handling fee: 4,500× yuan.
2. installment 12: the monthly principal payable is 4500÷ 12=375 yuan, and the monthly handling fee is 4500× yuan.
3. installment 18: monthly principal payable: 4,500 ÷18 = 250 yuan, and monthly handling fee: 4,500× yuan.
4. Divided into 24 installments: the monthly principal payable is 4,500 ÷ 24 = yuan, and the monthly handling fee is 4,500 × yuan.
Comments On the whole, the installment fee of Guangfa Bank is on the high side, but the installment fee of Guangfa owner's credit card is charged on a monthly basis, instead of all the installment fees in the first month, which is still a big discount for cardholders who are ready to repay in advance.
Guangfa car owner credit card
(Refueling by swiping the card is 1% cash return or 5 times points; Free road rescue service)
How much is the gold card withdrawal fee of Guangfa Credit Card?
The credit limit of a credit card gold card is generally below 50 thousand yuan, which will be higher than that of a general card, and the corresponding gold card can withdraw more cash than a general card. If you have a gold card of Guangfa Credit Card and want to withdraw cash for urgent use, and want to know how much the handling fee is, I will give you a popular science lesson below.
First, the handling fee standard for cash withdrawal of Guangfa Credit Card
1, domestic cash withdrawal
1) Domestic ATM inter-bank withdrawal fee: 4 yuan/transaction, 20 17 1 to 20 18 12 3 1 free;
2) Domestic overdraft withdrawal transfer fee: the minimum charge is 10 yuan according to the withdrawal amount;
3) When customers overdraw cash through telephone channels and transfer it to other banks' savings accounts, an additional handling fee of 10 yuan will be charged;
4) Domestic overpayment cash withdrawal fee: according to the overpayment cash withdrawal amount, the minimum 5 yuan/transaction and the maximum 50 yuan/transaction will be waived from now on to 20 18 12 3 1.
2. Withdraw cash from overseas
Handling fee for overseas cash withdrawal: 3% of the overseas cash withdrawal amount, with a minimum of RMB 15 yuan. Customers withdraw cash from overseas self-service terminals, and other fees charged by the acquiring institution shall be paid separately by customers.
2. What is the gold card withdrawal fee of Guangfa Credit Card?
Whether it is an ordinary card, a gold card or a platinum card, the cash withdrawal fee is implemented according to the above standards. Among them, from now until 20 18 12 3 1, China Southern Airlines Platinum Card, Air China Platinum Card, China Eastern Airlines Platinum Card, Shandong Airlines Value-added Platinum Card, Business Travel Platinum Card, True Love Platinum Card and Golf Platinum Card will be issued by Guangfa Bank.
Summary: The handling fee of CGB Credit Card Gold Card withdrawal is related to the amount and method of cardholder withdrawal. However, the interest required for withdrawal is firm, and it will be charged at the interest rate of five ten thousandths per day from the date of withdrawal, with compound interest on a monthly basis. The longer the withdrawal time, the bigger the interest snowball. So in order not to increase the repayment pressure on yourself, just pay it off as soon as possible.
How much is the handling fee of CGB credit card withdrawal 1000? I'll teach you how to calculate.
If you use Guangfa credit card to overdraw your consumption, you don't need to bear additional expenses as long as you repay it on time, but if you use credit card to withdraw cash, the cardholder will bear interest and handling fee. How much is the withdrawal fee of Guangfa Credit Card 1000? Let me show you.
1. What is the withdrawal amount of Guangfa Credit Card?
The withdrawal amount of the credit card is determined by the credit line of the credit card, and the withdrawal amount of Guangfa Credit Card is 50% of the comprehensive credit. If the credit limit of the cardholder Xiaobai Guangfa Credit Card is 20,000 yuan, then the maximum amount that Xiaobai can withdraw is 654.38+00,000 yuan.
Cardholders can withdraw cash from their credit cards through various channels: calling Guangfa Credit Card Customer Service Phone 95508, mobile banking APP, online banking, self-service cash machines, bank counter outlets, etc.
2. What is the withdrawal fee of Guangfa Credit Card?
Domestic cash withdrawal fee: the minimum fee for each cash withdrawal principal 10 yuan;
Handling fee for overseas cash withdrawal: 3% of the cash withdrawal principal, with a minimum charge of $3 (for international routes) or 15 (for UnionPay routes);
Interest on cash withdrawal by credit card: from the date of cash withdrawal, a cash withdrawal fee of 0.5 ‰ of the overdraft principal will be charged.
CGB credit card withdrawal 1000 yuan:
Domestic handling fee 1000 yuan.
The above is the introduction of the withdrawal fee 1000 of Guangfa Credit Card. In addition, large cash withdrawals and long-term non-repayment will generate a lot of interest. It is recommended that cardholders swipe their cards directly if they can, and they can only pass if they have real cash needs.
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How much is the withdrawal fee of Guangfa Credit Card?
Guangdong Development Bank Credit Card Cash Withdrawal Charge Standard
Domestic (RMB card, dual-currency card): local interbank, local interbank, off-site interbank, off-site interbank, minimum charge 10 yuan. Transaction amount in China (USD card, HKD card): cash withdrawal amount abroad (RMB card): 3% of cash withdrawal amount, minimum charge 15 yuan/transaction.
Overseas (USD card): 3% of the cash withdrawal amount, with a minimum of USD 5 per transaction.
Overseas (HKD card): 3% of the cash withdrawal amount, with a minimum of HKD 40 per transaction.
Overseas (dual-currency card): 3% of the cash withdrawal amount, with a minimum of RMB 15 yuan or USD 3 per transaction.
The introduction of how to calculate the handling fee of Guangfa Credit Card and Guangfa Bank is over. I wonder if you have found the information you need?