The credit card line of Postal Bank can be repaid in installments, and the longest installment can be 24, that is, it can be repaid in 24 months, which is suitable for people with great repayment pressure. The handling fees generated by different installments are different. Moreover, there will be no interest and no personal credit information when installment.

is it a one-time charge for credit card installment of postal bank?

The credit card installment fee of Postal Bank is not collected in one lump sum, but in installments. After the installment is successful, the installment principal and installment interest are allocated to each installment bill, and the amount is gradually recovered with the monthly repayment.

the number of credit card installments of postal bank is divided into three periods, six periods, 12 periods, 18 periods and 24 periods. Credit card installment interest is charged monthly at .3%-.6% of the total installment amount, with an approximate annualized interest rate (simple interest) of 5.39%-13.27% (for reference only).

after successful application for bill installment and transaction installment, installment principal and installment interest will occupy fixed and temporary quotas at one time; after successful application for cash installment, installment principal and installment interest will occupy quotas at one time.

can I repay in advance by credit card installment of Postal Bank?

The credit card of Postal Bank can be repaid in advance by installment. The prepayment of bill installment, transaction installment, cash installment and enjoyment installment does not need to bear the remaining undistributed interest, but it still needs to bear the remaining undistributed principal and collect 3% of the remaining undistributed principal as liquidated damages. There is no need to bear installment interest and prepayment penalty for prepayment of goods by installments.

the remaining undistributed principal and liquidated damages after prepayment must be paid off in full before the final repayment date of the next bill, and this amount cannot be applied for installment again.

The credit card of Postal Bank can't be divided into stages again, only the consumption part of the bill can be divided into stages. The installment amount will be amortized from the next installment bill after application, and the installment principal and interest will be repaid on time according to the bill.