After China's entry into WTO, there is no interest on installment repayment, and the monthly handling fee rate is 0.70% for the third installment and 0.60% for the sixth to twenty-fourth installment respectively. More than six installments seem the same, but they are actually different. 1 and the monthly fee for the 24th installment =3300×0.60%= 18.0 yuan. The total handling fee you need to pay is = 18.0×24=432.00 yuan, 12 monthly handling fee =3000×0.60%= 18 yuan, and the total handling fee you need to pay is =18×12. But the bank won't let him idle with the money you returned to the bank. The bank can return the money you gave to others for use, so that it can charge others fees or interest. If money is tight, there is no need to pay it back in 24 installments, or even at one time. We only use the interest-free period of bank credit cards (generally 28-56 days) without paying any handling fees and interest.

Extended data:

1. If you are usually negligent in repayment, you must repay as soon as possible, preferably in full, after you find that it is overdue. Then call the bank's credit card center to declare that there is no malice. If the past record is good and the overdue time is short, if the repayment is found to be good after the overdue, it may not be recorded in the bad record. Don't be careless in the future. Be sure to pay attention to the bank's bill notice and collection information to avoid overdue.

2. Some people don't often use credit cards. The credit card is overdue, and they intend to completely ignore the credit card and neither repay nor cancel it. In fact, this practice is very wrong. If you don't pay it back all the time, it will be overdue once a month, which means that you will be recorded with a bad credit record once a month. Moreover, if you don't repay for many months in a row, you will be sued by the bank and sentenced to malicious arrears. Your credit record will deteriorate, and the amount of arrears will become larger and larger, and you will be fined in serious cases.

3. If the credit card is overdue, the credit card center of the issuing bank will collect it. Because of ignorance and blind arrogance, some people not only don't pay back the money, but also "run away" by changing their addresses and mobile phone contact information, so that banks can't contact themselves, thinking that they can't help. In fact, this practice is absolutely not desirable. When handling a credit card, your real name information has been recorded by the bank. Once you "run away", the bank will think that you are maliciously overdrawn and will call the police. The police will list you as a wanted man.

4. Credit card repayment information will be recorded by the central bank's credit information system for 24 months, that is, the bad credit records generated by overdue credit card repayment will be kept in the credit information system for two years.

If you terminate with a card, the corresponding record will not scroll, but will be saved for a long time. Therefore, after the overdue repayment of the credit card, it is best not to cancel the credit card immediately after paying off the arrears, but to insist on using the card for more than two years, during which time, to maintain a good credit, so that the bad records can be cleared from the credit information system through rolling records.