Installment fee refers to a kind of fee that needs to be paid when the loan amount of a bank or credit institution is repaid in installments, without paying installment interest. Installment fees can be divided into one-time payment and installment payment. In the case of installment payment, the expenses are included in the repayment bill of each installment, and the borrower is required to repay on time. In addition, after the general installment payment, if the repayment is made in advance, the installment fee will not be reduced, and the fee will still be repaid according to the agreement.

For lending institutions, the handling fee for installment payment is also one of their incomes. Basically, as long as it is staged, it will require the handling fee for staging.

I. Calculation of installment fee

Handling fee = installment principal * installment handling fee rate of each installment.

After the cardholder successfully handles a single installment, the credit line corresponding to the credit card will be occupied, and the occupied credit line will be gradually restored with the repayment of each installment until the balance of the last installment or all installments is paid off in advance.

The cardholder has successfully processed a single installment amount, so he can't apply for installment again and choose the minimum repayment method to repay. If the cardholder fails to fully repay the remaining bill amount of the current period on time after successful handling, or the amortization amount of any period during the installment period is not fully repaid, it will be deemed as not fully repaid, and interest or late fees will be incurred.

Second, judge whether the credit card is controlled by the wind.

1. The customer fails to handle the installment within the specified time: if the customer handles the installment of the bill, it must be done between the opening of the account and the repayment date. On the repayment date, there is generally no way to apply again; If it is a consumption installment, it is generally necessary to apply after the consumption is recorded and before the bill date, and the application after the sunrise of the bill is the bill installment.

2. The installment amount applied for does not meet the requirements of the issuing bank: the bank has requirements for the installment amount of credit cards, and many regulations stipulate that the minimum installment amount cannot be lower than that of 500 yuan, so if the customer's consumption is lower than that of 500 yuan, then this consumption cannot be applied for installment. Also, for example, the Construction Bank stipulates that the maximum amount of bills in installments shall not exceed 90% of the total consumption in the issued bills, and the customer wants to installment all the bills of the card and cannot handle them.

Third, the solution of credit card being controlled by wind.

The user actively contacts the issuing bank and asks why the credit card is controlled by the wind; Then solve the problem under the guidance of customer service; After the problem is solved, the user can apply to restore the normal state of the card; After receiving the application, the issuing bank will re-examine the card, and when the card meets the conditions for releasing risk control, the card will be released from risk control status. Therefore, after credit card risk control, users should take the initiative to contact the bank instead of waiting for the bank to automatically cancel the risk control.