The preferential handling rate is 1.12 in 3 installments;
The preferential handling rate is 1.96 in 6 installments;
The preferential handling rate is 3.01 in 9 installments;
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The preferential handling rate is 4.00 in 12 installments;
The preferential handling rate is 5.80 in 18 installments;
The preferential handling rate is 8 in 24 installments;
The discounted handling fee is RMB 11 in 36 installments.
Case:
Card holder Mr. Li’s funds were mainly invested in funds, stocks and financial products. Now that car manufacturers are offering car show discounts, he really wants to buy one, so he uses installment payment method. If you purchase a car worth 120,000 yuan with a credit card, apply for 12 installments three days before the repayment date. On the day of application, pay the first installment of 10,000 yuan (120,000 yuan ÷ 12) and pay the installment payment fee of 4,800 yuan (120,000 yuan × 4) . From now on, you only need to pay 10,000 yuan per month.
Extended information:
Benefits of installment payment:
1. The application starting point is low. As long as the single consumption exceeds RMB or HKD 600, USD or EUR 100, you can apply for installment payment.
2. There are many options for the period. The installment payment period is divided into 3, 6, 9, 12, 18, 24 and 36 months. There are seven periods for cardholders to choose from. They can also repay in advance or choose to extend the period.
3. The application procedure is simple. You can easily handle this by swiping your card at ICBC designated merchants, going to ICBC business outlets, or dialing 95588 customer service hotline.
4. Convenient repayment. You will be reminded to repay with the statement every month, and you can also activate SMS notifications to remind you to repay monthly. You can choose from various repayment channels such as business outlets, self-service terminals, online banking, telephone banking, and mobile banking. You can also designate accounts for automatic repayment. ICBC waives handling fees for early repayment of installments.
5. Provide extension function. The extension business of installment payment can be handled through telephone banking and counters, extending the period of installment payment, reducing the amount of monthly deductions, and reducing the repayment pressure of cardholders; those who apply for extension will be charged according to the extension fee standard. Extension handling fee.
ifeng.com-ICBC financial planner teaches you how to use credit card installment payment