Answer:

1. Bill installment fee standard:

China Merchants Bank provides cardholders with personalized services of 2, 3, 6, 10, There are multiple options of 12, 18 and 24 periods, and the corresponding handling fee rates for each period are 1.0%, 0.9%, 0.75%, 0.7%, 0.66%, 0.68% and 0.68% respectively. To apply for installment payment for unbilled transactions, currently only 2, 3, 6, 10 and 12 installments are available. Two of the phases can only be applied for through our bank’s mobile banking and mobile life channels. ?

Handling fee per period = total installment amount × handling fee rate per period. The total principal amount of the installment is amortized evenly on a monthly basis, and the remainder is included in the last installment. The installment amount of each installment and the handling fee of each installment are recorded at the same time. ?

2. Calculation of credit card interest:

If you use a China Merchants Bank credit card for consumption, as long as you repay in full before the last payment date shown on the bill, your card consumption will not be charged. Generate interest. However, if you do not repay the amount in full, each consumption in that period's bill will be interest-bearing for the number of days from the accounting date to the repayment date, and the interest rate will be 0.5% of the daily interest.

For example: A cardholder’s bill date is the 7th of every month. He spends 2,000 yuan by swiping his card on April 1st. The consumption is credited to his account on April 2nd and will be displayed on the bill on April 7th. The "repayable amount for this period" is 2,000 yuan, and the "minimum repayment amount" is 200 yuan. If the cardholder only repays 200 yuan on April 25, the due payment date, the interest to be paid as of that day will be shown on the bill on May 7, that is, the 23-day interest and repayment of the 2,000 yuan revolving credit principal. 13-day interest on the remaining 1,800 yuan principal: 2,000 yuan × 0.05% × 23 days (April 2-April 24) + 1,800 yuan × 0.05% × 13 days (April 25-May 7 ) = 23 yuan + 11.7 yuan = 34.7 yuan.

1. China Merchants Bank Credit Card Customer Service Center was rated as “China’s Best Call Center of the Year” as early as 2004 at the China Call Center Operation and Customer Relationship Management Conference. It is the only award-winning company in the domestic financial industry. unit. In 2002, China Merchants Bank realized integrated and professional services for card use.

2. As one of the most innovative joint-stock commercial banks in China, China Merchants Bank continues to launch innovative products while also engaging in charity with a positive sense of corporate responsibility and social mission. In the face of the Wenchuan Earthquake on May 12, 2008, China Merchants Bank Credit Card Center immediately launched the "Project Hope Emergency Disaster Relief and Fundraising Action" with the China Youth Development Foundation, gathering the power of tens of millions of cardholders to donate to build four hospitals Xiangyang Earthquake Resistant Hope Primary School, the first Xiangyang Earthquake Resistant Hope Primary School was opened in Mianzhu, Sichuan on June 10, and the other three were also completed in Guangyuan, Sichuan on July 1.

Data source: Baidu Encyclopedia: China Merchants Bank Credit Card)