The required monthly repayment amount: 333.33 yuan (the amount after the decimal point is rounded off, interest is not considered)
The handling fee per period is approximately: 30 yuan
< p>The following are detailed instructions:1. First, after transferring 8,000 yuan to the China Merchants Bank credit card, I want to repay it in 24 installments, that is, a certain amount every month.
2. In order to calculate the amount of monthly repayment, we can follow the following steps:
a. First, divide 8,000 yuan by 24 periods to get the repayment amount for each period. Amount of payment: 8,000 yuan ÷ 24 installments = 333.33 yuan (the amount after the decimal point is rounded off).
b. The monthly repayment required is 333.33 yuan. Convert the repayment period into months and divide it by 12 months to calculate.
c. The monthly repayment amount remains unchanged at 333.33 yuan.
3. When calculating the monthly repayment amount, without considering interest, the monthly repayment amount is 333.33 yuan.
4. Secondly, regarding the calculation of handling fees:
a. Normally, credit card installment payments will charge a certain percentage of handling fees.
b. According to common regulations, the handling fee for each period is 8,000 yuan × handling rate. It is assumed that the handling rate is 0.375%, which is 0.00375.
c. Based on the above assumptions, the handling fee for each period is approximately: 8,000 yuan × 0.00375 = approximately 30 yuan.
5. Therefore, under this assumption and the handling rate is 0.375%, you need to repay 333.33 yuan every month, and the handling fee per period is about 30 yuan.
6. Summary: If you spend 8,000 yuan on your China Merchants Bank credit card and want to repay it in 24 installments, without considering interest, you will need to repay 333.33 yuan every month, and the handling fee for each installment is about It’s 30 yuan.
Extended information:
China Merchants Bank credit card installment repayment is a method of allocating the credit card bill amount to corresponding periods for repayment. The advantage of installment payment is that it can spread the burden and increase the flexibility of consumption. However, installment payment will charge a certain percentage of handling fees, and the specific rates will vary depending on bank policies. In China Merchants Bank credit card installment repayment, the handling fee is generally calculated in proportion to the consumption amount, and the handling fee rate will fluctuate within a certain range. Therefore, when using a credit card to repay in installments, you need to pay attention to the calculation of handling fees and payment methods to ensure that you can repay on time and understand the relevant handling fee regulations.
The above is based on hypothetical situations and common regulations to answer questions about the monthly repayment amount and handling fees for a China Merchants Bank credit card payment of 8,000 yuan in 24 installments. The specific situation may vary depending on bank policies and personal credit card types. It is recommended that you learn more about the bank's policies and rates before using your credit card for installment repayment.