The monthly payment for a credit card of 30,000 yuan in 12 installments is 2,680 yuan; the total is 32,160 yuan.

Instalment payment handling fee refers to a fee that does not need to pay installment interest when repaying the loan amount from a bank or credit institution in installments, but you need to pay installment handling fee. Installment payment handling fees can be divided into one-time collection and installment collection. In the case of installment payment, the handling fee will be included in the repayment amount of each installment, and the borrower is required to repay on time. In addition, generally after installment payment is made, if the loan is repaid in advance, there will be no reduction in the installment fee, and the fee still needs to be repaid as agreed.

For lending institutions, the installment fee is also one of their incomes. Basically, as long as it is an installment, the installment fee will be required.

1. Calculation of installment handling fee

Handling fee = installment principal * each installment handling fee.

After the cardholder successfully handles a single installment, the corresponding credit card limit will be occupied, and the occupied limit will be restored phase by phase with the repayment of each installment until the last installment or all installment balances are paid off in advance.

For a single installment amount that has been successfully processed, the cardholder cannot apply for another installment and choose the lowest repayment method for repayment. If the cardholder fails to repay the remaining balance of the current period's bill on time after the application is successful, or the amount that should be amortized in any installment during the installment period is not fully repaid, it will be regarded as incomplete repayment, and interest or late payment fees will accrue.

2. Determine whether the credit card is subject to risk control

1. The customer did not apply for installment within the specified time: For example, if the customer applies for bill installment, he or she needs to pay the bill in installments. In the future, if you apply during the period before the repayment date, you will generally not be able to apply again until the repayment date; and if it is a consumption installment, you usually need to apply after the consumption is recorded and before the bill date. What you apply for after the account is settled is the bill installment.

2. The installment amount applied for does not meet the requirements of the card-issuing bank: Banks have requirements for the installment amount of credit cards. Many stipulate that the minimum installment amount cannot be less than 500 yuan, so if the customer’s consumption is less than If it is 500 yuan, then this consumption cannot be applied for installment. Also, China Construction Bank stipulates that the bill installment amount shall not exceed 90% of the total consumption amount in the issued bill, so if the customer wants to installment the entire card bill amount, it cannot be processed.

3. Solutions to credit card risk control

Users should proactively contact the card-issuing bank to inquire about the reasons for credit card risk control; then solve the problem under the guidance of customer service; when the problem is resolved , the user can apply to restore the card to its normal status; after receiving the application, the card-issuing bank will re-examine the card. When the card meets the conditions for releasing the risk control, the card will be released from the risk control status. Therefore, after a credit card is subject to risk control, users should proactively contact the bank instead of waiting for the bank to automatically lift the risk control.