Two. Handling fee for prepayment of credit card bill of Guangfa Bank by installment.
1. After your credit card bill of Guangfa Bank is repaid in advance by installments, if you pay the handling fee in one lump sum, the handling fee you paid will not be refunded, but no extra handling fee is required.
2. If you used the method of paying the handling fee by installments before, the handling fee you have paid will not be refunded, and the remaining unpaid handling fees will not be reduced, and you are required to pay the remaining unpaid principal in one lump sum.
What are the hazards of prepayment by credit card?
1, the handling fee is high.
Only users who repay in full and on time can win the favor of banks. Whether it is early repayment or delayed repayment, most banks think it is a breach of contract, and cardholders need to pay liquidated damages to banks. Of course, the fees agreed before need to be charged, so when the cardholder chooses to repay in advance, he also needs to pay extra fees to the bank.
This credit card has been downgraded.
Banks approve cardholders' credit cards in order to stimulate consumption and bring more benefits to themselves. If the cardholder always prepays, the bank will question the consumer demand of the cardholder. Therefore, in order to avoid wasting resources, banks will generally take credit card credit reduction measures, which will adversely affect the future credit card credit increase results.
3, affect the future application for loans or card results.
Whether it is a loan or a credit card, the purpose of lending institutions is to stimulate users to use it. However, if users only use it for a short time and then repay it, they cannot make full use of the benefits of loans or credit cards. Then, in the face of these users submitting loan or credit card applications again, lending institutions usually refuse to handle them.