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What are the consumption installments of Niangniangxing?

Question 1: What is the consumption installment of Guangfa Credit Card? You spend a sum of money, such as 3,000 yuan, and then find that you don’t have enough money or you need to leave some credit to buy other things. Then you You can choose installments, such as 6 installments, then only 500 yuan will actually be credited to the account, and the remaining 2,500 yuan will be credited to 500 in the following months. GF generally allows you to choose installment payment for purchases over RMB 500, but this requires a handling fee. You can check out GF’s official website for specific rates. cgbchina/Info/19171441, item 14.

Question 2: What does it mean to apply for installment reimbursement for consumption with credit cards of various banks? For example, you previously owed 1,000 yuan on your credit card, and you spent another 3,000 yuan this month, and you paid for this 3,000 yuan in three months. consumption installment. At this time, your actual debt in the bank is 4,000 yuan, but after applying for the installment, the bill only shows a debt of 1,000 yuan, and the 3,000 yuan will be credited to 1,000 yuan every month for the next three months. This money will be in your account. The bank statement of the first month after applying for installment will show consumption installment reversal, which means that the money is on the account and no interest will be charged. If the due payment date is missed, no late payment fees will be charged. When you enter 1,000 yuan into your account, the consumption installment reversal means that the money you made in installments is deducted from your account.

Question 3: Regarding Guangfa Xianxian Bank’s installment plan, this means that even if you consume 6,000, you apply for installment plan, and you are not required to pay it off in one month, right? For example, if you apply for six installments on December 1st, you will be deducted 1,000 yuan and one month's handling fee from the 6,000 divided by that time. It will remain the same for the next five months. It depends on whether you occupy the quota after the review, and you will be responsible for paying back the quota. You can use 4,000 before it is repaid, and you can use as much as you repay. If you don’t occupy it, you can still use the 1W quota after applying for installments.

Question 4: All installments are available with Guangfa Credit Card. Installments are available for purchases of 500 or more points that can be recorded in a single transaction. The handling fee is 0.65% for 6 and 12 periods, 0.7% for 18 and 0.72% for 24 periods.

There is no limit on the usage time.

Will approve. and will occupy your credit limit. There will also be some old customers whose installments do not occupy their credit limit.

You can call 95508 and press 1-0-1/2/0-5 to transfer to manual.

Question 5: What does it mean to apply for installment reimbursement of consumption in Niangniangxing? Niangniangxing is a kind of installment of Guangfa Credit Card. For example, if you spend 5,000, you can successfully apply for installment payment of Banniangxing consumption. Then it will first write off the 5,000 you spent before, and then credit it to your account one by one according to your installment situation every month.

Question 6: How to check what purchases have been made in installments? You can download a mobile customer service and check it out.

Question 7: What consumption can be paid in installments with Guangfa Credit Card? First of all It should be noted that the funds paid for shopping on Taobao with Guangfa Bank's credit card can be used for installment payment business.

China Guangfa Bank has the "Interest-free Installment Project for All Banks":

For the "Interest-free Installment Program for All Banks", as long as the single transaction exceeds RMB 500, you can call 95508 Register for installment payment and it can be implemented after approval. The number of installments includes 12, 18 and 24 installments, which can be selected flexibly.

The installment handling fee is 0.65% for each period of 12 periods, 0.7% for 18 periods, and 0.72% for 24 periods. The handling fee is paid every month. There are currently no installments for Phases 3, 6, and 9.

However, remember that after the installment business is approved, even if the funds are sufficient, the installment business must be terminated in advance, and all subsequent handling fees will still be collected.

Question 8: What is the difference between the bill installment and the consumption installment launched by Guangfa Credit Card? Those who understand will give a detailed analysis. The consumption installment of Xiangxing Bank refers to the installment of each consumption that reaches a specified amount. For example, your limit is 20,000 yuan, and you have made two card payments this month, which are 5,000 and 7,000 yuan respectively. If you After handling a transaction of more than 3,000 yuan in 12 installments, the bank system will automatically ask you to repay 5,000 yuan in 12 installments, and 7,000 yuan in 12 installments... If you made three purchases this month, one One is 2,000 yuan, and the other is 5,000, and 7,000, so only two of them can be paid in installments. However, if you apply for bill installments, and the total consumption of this bill is 14,000 yuan, you will be asked to pay back the 14,000 yuan in 12 installments

Question 9: I have an urgent question about the consumption installment plan of Guangfa Bank. . For all installment plans, some have a frozen limit, some do not. Yours has a frozen limit, and it will be restored only after repayment.

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Question 10: I would like to ask everyone, if I pay 20,000 yuan by Guangfa Credit Card in installments in 24 months, how much should I repay each month? Please provide the calculation method, thank you. The handling fee rate for 24 installments of China Guangfa Bank Credit Card Bank is: 0.72% for 24 installments.

Monthly payment: handling fee 20000X0.72% + principal 20000÷24=144+833.33=977.33 yuan