Can I pay the credit card bill in one lump sum after installment? Yes, if the application is unsuccessful, call customer service to see if I can cancel the installment application. If the application has been successful, then call customer service to terminate the installment in advance. All the remaining installment and handling fees will be settled on the latest billing date, and the cardholder needs to repay in one lump sum.
Credit card loan 50 thousand, and then a one-time repayment of 30 thousand, how to repay At present, the common credit card repayment methods in China mainly include the following categories (according to the cost level):
1. Repayment at the issuing bank
The repayment methods mainly include: issuing bank counter, ATM, online banking, automatic transfer, telephone banking repayment, etc. The credit card limit will be restored immediately after repayment, and the money will generally be recorded after being processed by the system on the same day.
2. Convenience store repayment
Convenience store repayment is mainly completed through the "Lacarra" smart payment terminal installed in the convenience store. Generally, it will arrive in 2~3 working days, and there is no handling fee for repayment in this way.
3. Online repayment
At present, the common online repayment methods in China are: UnionPay Online, Quick Money, Shengfutong, Alipay, etc. Choose different platforms and banks, and the charging standards and specific arrival time are different.
4. Inter-bank transfer/remittance repayment
Inter-bank transfer/remittance repayment is mainly divided into two ways: inter-bank in the same city and inter-bank in different places. Whether it is transfer or remittance, the remittance bank will charge a certain fee, and the payment time and repayment convenience are not as good as those of peers, online repayment and convenience stores.
5. Counter repayment
Counter link refers to the bank card issued by various networked financial institutions, and the RMB current deposit and withdrawal transactions are conducted through the counters of other bank outlets registered in the mainframe system of UnionPay Trading Center. newly rich
6. Payment by Xinfutong
"Xinfutong" smart credit card phone is an innovative electronic product independently developed by China UnionPay, certified by the Bank Card Testing Center and supported by the financial services provided by China UnionPay's inter-bank information exchange network.
7. Credit card repayment pass
Using the "Repayment Pass" for repayment, the fees are generally charged according to the charging standards for inter-bank transfer in the same city and inter-bank remittance in different places stipulated by the local people's bank.
What do I need to apply for a credit card with a limit of 10 thousand? Is the repayment in installments or in one lump sum? If you meet the requirements of China Merchants Bank's credit card application, you can try to apply. The most important condition for applying for China Merchants Bank Credit Card is 18-60 years old (25-60 years old for foreigners), with certain economic ability and good credit record. Please refer to the actual audit of our credit card application results. The necessary application documents are copies of identity certificate and work certificate. If you can provide other financial documents, it will be more helpful for us to understand your personal situation and judge the credit limit.
If you are interested in CMB credit card, but have never held our credit card, you can apply in the following four ways:
1. Please log on to the credit card website and select "Apply for Credit Card"-"Apply for New Customer";
2. Please bring your original identity certificate, work certificate and financial documents to the business outlets of China Merchants Bank in person;
3. You can also call the customer service hotline, select "3#" in the voice for credit card application consultation, and then select "1" to transfer the service specialist to register for you, and inform our local staff to contact you to confirm the application.
4. If you have applied for the professional version of our online banking, you can apply through the professional version.
Remind you that credit card verification is subject to the final audit result.
You can choose to pay in full or in installments (there is a handling fee).
The credit card limit of ABC is 20 thousand. How much is the monthly repayment of 10 thousand? Well, it is impossible to withdraw 10 thousand at a time, because credit card overdraft can only withdraw 2 thousand a day If you have to do this, it should probably be:10000 *1%+10000 * 0.05% * 30+65438.
Can a credit card spend 7000 yuan at a time and repay it in installments? If the consumption is reasonable, it can be divided into stages. If you overdraw maliciously, it will be frozen.
Credit card installment business and loan are not a kind of business, and they charge a handling fee instead of loan interest. With the popularity of credit cards, credit cards occupy a lot of bank funds by stages. Considering the rising cost of capital, the bank raised the installment fee.
I want to apply for a postal credit card with a limit of 10 thousand. It cost 3500 at one time. How can I repay the loan in installments? What is the minimum repayment amount? Hello, the minimum repayment is usually 65438+ 00% of the overdraft, and the minimum repayment for 3500 is 350.
However, in actual use, the calculation formula of the minimum repayment amount is as follows:
Minimum repayment amount = current expenses and interest+unpaid part of the minimum repayment amount in the previous period+cash balance withdrawn in advance in the current period+(current consumption balance+consumption balance not included in the minimum repayment amount in the previous period but not yet paid) * 10%.
The formula is complicated, and complicated things should be simplified. I don't know how much it costs to log on to the credit card center website of the issuing bank this month. After logging in, I can choose to inquire about repayment management or consult manual telephone.
How to deal with it: Baidu's experience is illustrated, send a link for your reference.
Billing installment:: jingyan.baidu./article/48a42057c3fcd6a925250410.
Single consumption:: jingyan.baidu./article/7F766daf6244b84101e1d0cf.
The installment repayment is divided into 5 installments: 3 installments, 6 installments, 12 installment, 18 installment and 24 installment, and the handling fee is 0.6% of the total installment principal. The longer the number of periods, the higher the handling fee, and it must be borne by the cardholder himself.
3,500 yuan consumption, taking 12 and 0.6% handling fee as examples, the principal is paid 292 yuan per month, and the monthly handling fee is about: 22 yuan pays 3 14 yuan per month.
Suggestion: Don't swipe your credit card casually. Many people will be overdue if they are unable to repay after impulsive consumption or if the repayment pressure is too high. The consequence of overdue is that mortgage, car loan and commercial credit loan will be affected in the future.
Credit card limit 10000, spent 1 10,000 this month, and then paid in installments. Can I still spend 10000 next month or something? In the case of China Merchants Bank, the available credit line refers to the unused credit line in your credit card. The calculation method is as follows: credit line-unrecorded amount-accumulated used unrecorded amount = available amount.
ICBC's credit card limit is 20,000, so you spend 20,000 by credit card and then repay it in installments? Yes, as long as you can apply within the credit card limit, you can do it before the bill is issued, and you need to bear the handling fee.
The 20,000-yuan credit card cost 9,000 yuan, and now I want to use it all at once. Taking CCB credit card as an example, the installment can be terminated in advance. If there is a handling fee for each period, the previous handling fee will not be refunded, and the remaining handling fee will be recorded in one lump sum. After early termination, the remaining principal can generally be checked by the unpaid bill the next day, and the remaining handling fee will be settled on the latest billing date.