According to regulations, the monthly interest rate of Changsha Bank Xinyi Tong Card is between 3.8 and 7.5. It mainly uses a daily interest calculation method. After the user borrows money for consumption, the interest rate will be calculated based on the consumption amount. And use the subsequent repayment time to calculate the interest the user needs to pay. Naturally, interest charges will not continue to accrue after the repayment is completed.

1. How to repay the Changsha Bank Xinyi Tong Card?

The repayment method of Changsha Bank Xinyi Tong Card is to repay the handling fee on a monthly basis and repay the loan principal upon maturity. Since the Xinyi Tong Card is a large-amount installment card, before the principal expires, the Changsha Bank system will deduct the repayable handling fees from the account one by one on the final repayment date of each installment. On the principal maturity date, The principal repayment and the final handling fee will be deducted from the account. All repayments are made directly through the Xinyi Tong Card, so you must ensure that the Xinyi Tong Card has enough balance on the final repayment date to avoid repayment failure.

2. What are the procedures for using the Changsha Bank Xinyitong Card?

1. Apply for a loan with Xinyi Tong Card: Cardholders can go to the homepage of Changsha Bank e-Bank and click More - Xinyi Tong Card to apply for a loan; or log in to the new version of online banking and select the "Credit Card" section, "I am "Consumer" "Xinyi Tong Card" enters the page to apply. The minimum amount required for each request is 10,000 yuan (inclusive), and it must be an integral multiple of 10,000 yuan.

2. Xinyi Tong Card: After Changsha Bank approves the approval, the amount corresponding to the installment request will be transferred to the Xinyi Tong Card account. The cardholder can transfer the money to the bank's debit account with the same name. Then pay by yourself, or directly use the card to consume through the POS terminal.

3. Repayment of Xinyi Tong Card: Xinyi Tong Card is paid monthly and the principal is repaid upon maturity. Before the principal expires, the system will deduct the repayment fees from the account one by one on the final repayment date. On the day when the loan matures (including early maturity), the system will deduct the principal and repayment procedures from the account. fee.

To ensure successful deduction, cardholders must deposit sufficient repayment amount to the Xinyi Tong Card on the final repayment day.