At present, the credit cards for postal savings are divided into three phases, six phases, 12, 18 and 24 phases. Among them, the above five types can be selected for transaction installment and bill installment, and the number of installments of merchants can be freely selected. Apply for staging of postal credit card transactions, with a single transaction amount of at least 500 yuan, and a single transaction can only be fully transferred to staging; The condition for the initial amount of bill installment application is that the difference between the balance of bills issued in the previous period and the minimum repayment amount is greater than or equal to 800 yuan, and the maximum amount does not exceed the difference between the balance of bills issued in the previous period and the minimum repayment amount; The minimum amount of installment payment for a merchant is 500 yuan.
1, China Postal Savings Bank can be traced back to the postal savings business started in 19 19, with a history of one hundred years. In March 2007, on the basis of reforming the original postal savings management system, Postal Savings Bank of China Limited was formally established. 20 12 1 month, the whole company was restructured into a joint stock limited company. From 20 15 to 12, ten domestic and foreign strategic investors were introduced. 2065438+listed on the Hong Kong Stock Exchange in September 2006. 20 19 to 12 were listed on the Shanghai Stock Exchange, and the three-step reform goal of "share reform-leading battle-listing in A and H" was successfully completed.
2. Postal savings credit card installment fee is charged monthly, accounting for 0.6% of the total installment amount, and the total principal divided by the number of installments is the monthly repayment principal. In this way, the monthly repayment amount is the handling fee+principal.
For example (postal credit card 60000 yuan, 12 installment repayment fee calculation method)
Handling fee: 60,000 x 0.6% = 360 yuan.
Principal: 60,000 yuan12 = 5,000 yuan.
Then pay it back every month (principal+handling fee =5000+360=5360 yuan).
3. Installment payment is mostly used for some products with long production cycle and high cost. Such as the export of complete sets of equipment, large vehicles and heavy machinery and equipment. Installment payment means that after the import and export contract is signed, the importer pays a small part of the payment to the exporter as a down payment, and most of the rest is paid in installments after part or all of the products are produced and shipped, or after the goods are installed, debugged, invested and guaranteed.
The longest credit card consumption cycle of Postal Savings Bank can be divided into several periods.
The credit card of China Postal Savings Bank can be divided into 24 periods, each period 1 month. They are divided into three phases, six phases, 12, 18 and 24 phases. Credit card notes 1. Repayment on time: After using a credit card, you must remember to repay on time. Once overdue, it will not only produce bad credit records, but also charge overdue penalty interest. 2. Don't swipe your card too often: Some people use credit cards more frequently, and the interval between swiping cards is short, which is easily controlled by banks. 3. Diversification of consumption: When using credit cards, cardholders should be diversified, not limited to one place, and can swipe their cards in hotels, restaurants, shopping malls and other places. If you spend money in one place all the time, banks will feel that cardholders have no spending power and reduce credit cards.
credit card
Credit card, also called debit card, is a credit certificate issued by a commercial bank or credit card company to eligible consumers. It is a card with name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back. Consumers with credit cards can go to specialized commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limits.
The credit card stipulated in the relevant laws of our country (Interpretation of the Provisions of NPC Standing Committee on Credit Cards) refers to the electronic payment card issued by commercial banks or other financial institutions with all or part of the functions of consumer payment, credit loan, transfer settlement, cash deposit and withdrawal, etc. 20 17 12 1, the English translation and writing standards for public services were formally implemented, and the English names of credit cards were specified.
Credit card consumption is a non-cash transaction payment method, which does not need to pay cash when spending, and repays on the bill date.
Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to a credit card in which the cardholder has a certain credit limit and can spend first and then repay. Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund according to the regulations, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the prescribed credit limit. Credit cards generally refer to credit cards.
From the date of 202 1 1 1, the credit card overdraft interest rate is determined by the card issuer and the cardholder through independent negotiation, and the upper and lower limit management of the credit card overdraft interest rate is cancelled (the original upper limit is 0.7 times of the daily interest rate, and the lower limit is 0.7 times of the daily interest rate).
On May 25th, 2002/KLOC-0, the Supreme People promulgated and implemented the Provisions of the Supreme People on Several Issues Concerning the Trial of Civil Cases of Bank Cards.
How to calculate the installment fee for the credit card bill of Postal Savings Bank? Pay attention to these points.
It is found that many people love to spend by credit card, so sometimes they can't pay off their bills for a while, and many people will choose to repay them in installments, so people are also very interested in the information of credit card bills in installments. Today, I would like to introduce you to the information about the credit card bill installment of the Postal Savings Bank. For example, how to calculate the installment fee for the credit card bill of the Postal Savings Bank?
How to calculate the installment fee for the credit card bill of Postal Savings Bank?
The credit card bill of the Postal Savings Bank can be divided into five stages: 3, 6, 12, 18, and 24. In different stages, the installment fee is the total installment principal, which is charged monthly.
Matters needing attention in installment payment of credit card bill of Postal Savings Bank
First, the application time.
Bill installment needs to be applied from the day after the billing date to 4 days before the due repayment date.
Second, the application amount
The minimum amount for applying for bill installment shall reach 800 yuan RMB, and the maximum amount shall not exceed the balance of the bill issued in the previous period. Also, it should be noted that the non-consumption amount that has been included in the minimum repayment amount cannot be phased in.
Third, the applicant
The applicant for bill installment must be the main cardholder of the credit card, and the supplementary cardholder cannot make bill installment.
Everyone should pay attention to the application time and amount when applying for their own credit card installment. At the same time, only the main card holder can apply. When applying for installment, you can choose any one of three installments, six installments, 12 installment, 18 installment and 24 installment, and the service fee rate is the same.
Postal savings credit card bill installment fee?
Postal savings credit card installment fee and monthly repayment are as follows:
The free installment and billing installment of postal savings credit card are divided into five periods, which are 3 months, 6 months, 12 months, 18 months and 24 months respectively, and each month is 1 period. The installment fee is charged monthly, accounting for 0.6% of the total installment amount, and the total principal divided by each installment is the monthly repayment principal. In this way, the monthly repayment amount is the handling fee+principal.
For example (postal credit card 60000 yuan, 12 installment repayment fee calculation method)
Handling fee: 60,000 x 0.6% = 360 yuan.
Principal: 60,000 yuan12 = 5,000 yuan.
Then pay it back every month (principal+handling fee =5000+360=5360 yuan).
Data expansion:
1. Installment payment is actually a loan provided by the seller to the buyer. The seller is the creditor and the buyer is the debtor. The buyer can get the goods or services he needs only by paying a small amount of money, but because the interest is included in the future installment, the amount paid for the same goods or services by installment is more than the amount paid in one lump sum.
On the one hand, installment payment allows sellers to complete promotional activities, on the other hand, it also provides convenience for buyers.
2. Installment payment means that after the import and export contract is signed, the importer pays a small part of the payment to the exporter as a down payment, and most of the rest is paid in installments after part or all of the products are produced and shipped, or after the goods are installed, debugged, invested and quality guaranteed.
The buyer and the seller sign a contract at the time of transaction, and the buyer pays the goods and services to the seller in installments within a certain period of time. The date and amount of each payment are stated in the contract in advance.
3. There are many forms of installment payment: if the buyer pays by installment, he will generally pay the down payment first, and then pay the second money after receiving the delivery notice from the real estate agent; Divided into three installments, and the third installment will be paid within a certain period of time after check-in. In this way, the buyer usually pays more than one-time payment, but at the same time it can reduce the possible losses in the auction, such as "unfinished houses", as well as the decline in house prices other than the down payment and the changes in the economic situation of the buyer.
Loan installments are generally paid off in several years. The key here is when the installment payment will start except the down payment, in other words, when the loan bank will hand over the loan from the property buyer to the real estate developer. This time can start as soon as the loan procedure is completed, or it can start as soon as the house is handed over, which is more beneficial to the buyers.
Of course, how to pay is not the wishful thinking of buyers. If real estate developers have no strength, they must rely on buyers' money to build houses. Usually, they will not agree that the buyer's second payment will be delayed until delivery. In this case, property buyers can only decide whether to buy a real estate developer's house.
Source: Baidu Encyclopedia: Installment Payment
Credit Card Staging of Postal Savings Bank: "Pen Score" vs "Arbitrary Score"
1. What are "pen tip" and "arbitrary point"?
1, pen point
"Installment payment" (single interest-free installment payment) means that credit card holders can call our 24-hour customer service hotline or apply through online banking to convert a single consumer transaction that was not recorded before the bill date into installment payment.
Applicant: The principal cardholder of an individual card can apply to convert the transaction between the principal card and the secondary card under his name into installment payment, and the secondary cardholder will not enjoy the "pen-to-pen" service for the time being;
Application time: after the credit card consumption transaction is accounted for, before the current accounting date (inclusive);
Application channel: call our 24-hour customer service hotline or log in to online banking for related operations;
Apply for a transaction: only a single consumer transaction that has not been accounted for can be applied;
Application amount: the initial amount of applying for "points" for a single transaction is 500 yuan;
Number of application periods: Cardholders can choose 5 periods freely, including 3 months, 6 months, 12 months, 18 months, 24 months, and each month 1 period.
Charging standard: the handling fee of "sum and points of each transaction" is charged monthly, and the sum of installment principal is charged at will.
"Free payment" (installment bill) means that credit card holders can call our 24-hour customer service hotline four days before the final repayment date after the bill date, or apply through online banking to convert part of the consumption balance in the previous bill into installment payment.
Applicant: The main cardholder of personal card can apply to convert part of the consumption balance in the previous bill into installment payment, and the supplementary cardholder will not enjoy the "arbitrary distribution" service for the time being;
Application time: from the day after the billing date to 4 days (inclusive) before the due repayment date;
Application channel: call our 24-hour customer service hotline or log in to online banking for related operations;
Application for transaction: the consumption transaction in the previous account;
Application amount: the minimum application installment amount is 800 yuan RMB, and the maximum application installment amount does not exceed the balance of the previous bill minus the minimum repayment amount;
Number of application periods: Cardholders can choose 5 periods freely, including 3 months, 6 months, 12 months, 18 months, 24 months, and each month 1 period.
Charging standard: the "pen-to-pen" handling fee is charged monthly, and 0.6% of the total installment principal is charged monthly.
Second, the comparison between "pen point" and "arbitrary point"
Interest-free installment for "individual payment" and interest-free installment for "arbitrary payment" bill.
So much for the introduction of credit card installment types of postal savings.