Current location - Trademark Inquiry Complete Network - Overdue credit card - How to pay interest after credit card installment?
How to pay interest after credit card installment?
How to repay all the money after credit card installment?

You can pay off your credit card in advance after installment. Call human customer service.

But there are still some formalities to be done, and some processes need to be clarified first.

First of all, the credit card installment of Shanghai Pudong Development Bank can be repaid in advance, because there is such a description in the installment regulations of Shanghai Pudong Development Bank:

"Cardholders can terminate the successful installment payment in advance through the 24-hour customer service hotline of the credit card center, but they need to pay the remaining principal and the handling fee for each installment in one lump sum; The early termination fee and the unpaid principal amount will be included in the minimum repayment amount of the next bill in a fixed proportion. The handling fee paid by the cardholder will not be refunded. "

Therefore, if one of the cardholders wants to pay off the installment amount in advance, he can repay it in advance. Call the bank customer service hotline directly and then transfer to manual customer service to apply.

But I love cards. I suggest that cardholders can use the extra cash for short-term investment, which can not only earn back the handling fee, but also kill two birds with one stone without applying. It is not cost-effective to repay in advance without exempting the handling fee for the remaining installments.

agricultural bank

The handling fee is charged in installments. Prepayment is divided into partial prepayment and full prepayment. In case of partial prepayment, the repayment amount is an integral multiple of the principal of each installment, and the number of overdue applications will be automatically reduced. If the repayment is made in full in advance, the repayment amount shall be the outstanding installment principal, and the installment will automatically end after the application is successful. After the successful application for prepayment, the cardholder must repay the prepayment amount and the installment fee corresponding to the prepayment period in one lump sum, and the installment fee already booked will not be refunded.

Bank of China

The installment fee will be charged once in the first installment and will not be refunded once charged.

China construction bank

The handling fee is charged in installments. The cardholder has successfully processed the bill installment. If he applies for prepayment, he must pay off all the remaining principal and handling fee in one lump sum, and the installment handling fee collected will not be refunded.

Bank of Communications

The handling fee will be collected in installments. If the installment is ended early, the fees received will not be refunded, and the remaining fees will be paid in one lump sum.

Shanghai Pudong Development Bank

The handling fee is charged in installments. After the cardholder successfully applies for installment payment, the number and amount of installments applied for cannot be changed or revoked. When the cardholder returns or cancels the transaction, he still needs to pay the principal and handling fee according to the bill installment business that has been successfully applied.

Basically, these methods are the provisions of most banks for early repayment of credit card installment business. In addition, the current lending software on the market, such as ant flower buds, ant borrowing buds, ant returning buds, white stripes and so on. , are the same as the rules of the bank. If you want to repay the installment business on these platforms in advance, you must also make up the remaining handling fees.

How to repay the credit card in installments?

After credit card installment, it can be repaid automatically and at the counter through mobile banking, third-party payment platform, ATM machine and bound bank card.

1. Mobile banking. Now all major banks have their own mobile apps. After downloading, you can log in to your account and pay back your credit card.

2. Third-party payment platforms, such as Alipay and WeChat, all have credit card repayment function, which can be repaid after binding the bank card;

3.ATM repayment, directly insert the credit card into the ATM, and then save money;

4. Associate the bank card with the credit card, and the system will automatically deduct the money from your bound bank card on the repayment date;

5. You can also repay money at the counter of bank outlets, and you need to bring your ID card and credit card.

1. What are the advantages and disadvantages of credit card installment repayment?

Benefits:

Mainly to alleviate the pressure of high single-period bills. When I owe 10 thousand, I only have 3 thousand in my hand for the time being, so paying it back several times will neither affect my credit nor relieve my pressure. But also conducive to credit card cash withdrawal. Banks will charge installment fees, and they are also happy to see users installment. In order to overcharge, they will naturally withdraw the amount.

If it is to raise the amount, it is not cost-effective to handle the installment if you have money. Although there are more idle funds in hand for the time being, it will increase a certain burden.

Disadvantages:

There is a handling fee for installment repayment, and the rates of different banks are different. The longer the number of installments, the more the handling fee. If you pay in installments for a long time, you will find that the handling fee is amazing. Moreover, this is not conducive to cultivating good consumption habits. Paying only a part each month may lead to more and more debts.

Repayment in installments can be made in advance. Under normal circumstances, users should take the initiative to apply to bank customer service, but it is not recommended to do so, which has many disadvantages.

1. Why not recommend prepayment?

The installment fee is fixed after handling. I have handled the installment of 12, so the extra fee for this installment of 12 must be paid. No matter how much you want to pay back the remaining installments in advance, this money can't be reduced.

And many banks have relevant regulations. Once you apply to customer service for prepayment, the remaining amount will be paid in one lump sum in the next bill. On the contrary, it has increased the economic burden, and it is better to repay the loan as agreed.

2. How to make rational use of installment repayment?

The starting point of installment repayment is to share the cardholder's pressure several times when the user can't pay the bill temporarily. So staging is not blind. The longer the better. It is very important to choose the appropriate number of periods according to your actual income, so as not to pay the handling fee in vain.

Many people hesitate between the minimum repayment amount and installment repayment after owing money, saying that both are more cost-effective. In fact, it all depends on the user's own situation, such as how much money is owed and how long it will take to pay it off.

1, the less you owe, the lowest short-term repayment.

If I only owe two or three thousand dollars, and the funds will arrive in a few days, then don't choose to repay by installments. The minimum repayment date interest rate is 0.5 ‰, with monthly compound interest. Take the bill amount of 10000 yuan as an example, and the interest for one month will be 150 yuan. If it is divided into three periods, the interest rate will definitely not stop.

2. How long will it take to pay off the debt? Choose installment payment.

In the case of long-term financial constraints, it is of course recommended to repay by installments. The minimum repayment is to calculate compound interest every month. If you don't pay it back for a day, the interest will keep piling up. The interest generated by the minimum repayment for one year is several times the handling fee of 12.

In short, installment repayment itself has advantages and disadvantages. When unable to repay, it is recommended to choose the appropriate number of installments, and it is not recommended to repay in advance.

How to repay after credit card installment?

Banks generally provide an interest-free repayment period of 20-50 days, and 20 days after the bill date is the due repayment date, so repayment should be made before the due repayment date.

Credit card repayment method:

1. Online banking transfer: log in to online banking, and repay by debit card, credit card, current all-in-one account or current savings account.

2. Mobile banking transfer: Open mobile banking, and easily complete the transfer and repayment anytime and anywhere.

3. Bank self-service terminal repayment: self-service devices such as CDM or ATM can be used to transfer money to credit cards for repayment; You can also make self-service repayment in cash through the deposit and withdrawal machine (CDM).

4. Counter repayment: make cash repayment at the counter of bank outlets or transfer repayment to the credit card account through debit card, credit card, current all-in-one account or current savings account.

Extended data

Matters needing attention in automatic transfer repayment

First, if the credit card holder binds the savings card to repay the agreed account, then before the due repayment date, ensure that the associated savings card is in a normal state and the amount is sufficient, and the agreed account will automatically repay when it expires.

Second, repayment in an associated savings account generally defaults to full repayment. If the cardholder intends to return the minimum repayment amount of each installment, he can inform the customer service at the time of binding and change the repayment mark.

Third, paying the minimum repayment amount on time will not affect the cardholder's current credit history, but will charge interest on the whole bill.

Reference source: China Bank, official website-China Bank Credit Card Repayment Guide.

Source of reference: official website, Bank of China-Explanation of common credit card terms.

How to pay back the rest after credit card installment?

You can call credit card customer service online or by phone to apply for installment repayment. When a cardholder uses a credit card to make a large amount of consumption, the bank will pay the consumer funds of the goods (or services) purchased by the cardholder to the merchant in one lump sum, and then the cardholder will repay the money to the bank in installments and pay the handling fee.

According to the cardholder's application, the bank deducts the consumption funds and handling fees by stages through the cardholder's credit card account, and the cardholder repays according to the monthly recorded amount.

Extended data

Suppose the installment amount is 1.200 yuan, divided into 12 installments, and each installment (month) repays 1.000 yuan, and the handling fee is 0.6%/ month, and the actual monthly deduction is100+1.200× 0. If other factors are not considered, the convertible nominal annual interest rate is 7.2%. But the cardholder did not always owe the bank 1.200 yuan. In the last month, he actually only owed the bank 1 1,000 yuan, but the bank still charged the handling fee according to 1, 200 yuan.

According to the calculation, the actual annual interest rate that the cardholder has to pay is about 15.48%. According to the correct calculation formula, it should be12006% (1+6%)12/(1+b)12-1) =1.

Baidu encyclopedia-credit card installment payment

How to repay after installment payment? How to repay after credit card installment?

1. Every credit card has a billing date. When the bill comes up at sunrise, there will be the amount you should repay this period and the minimum repayment amount, as well as the final repayment date, bill details and so on. When you apply for cash installment business, the successful installment business application will be reflected in your next installment bill. At this time, you should repay the money on each bill before the final repayment date, and don't be overdue. If you can't repay in full, you can repay according to the minimum repayment amount, but it is not recommended to repay according to the minimum repayment amount, and there will be a handling fee for the remaining amount. For example, if the bill amount is 4329.0 1 and the minimum repayment amount is 2 16.45, it must be repaid in full or according to the minimum repayment amount before August 5.

When you spend a large sum of money and can't pay it back before the next repayment date, you can apply to the bank for installment payment. After the installment is successful, you only need to repay the money according to the amount of each bank bill. Generally speaking, when you apply to the bank for installment payment, the bank will give you the bill on the next billing day after approval, and you need to start repayment from the first repayment day after application. For example, apply for installment on July 27 and give you the bill on August 4. The installment business will be reflected in the bill, and the bill amount should be paid off before August 24.

If you spend a lot of money and don't apply for installment before the bill, you need to apply for installment after the bill. The banking system will judge whether your bill can be divided into stages according to your consumption amount and bill amount. If you apply for installment before the billing date, the banking system will not let you do it.

Usually, most large transactions can be carried out by stages. For example, after the sales cost is 39,500 yuan, you don't need to apply for a single installment, but you can only apply for bill installment after sunrise on August 4, so if you apply for bill installment on August 6, you must pay off the installment amount and handling fee of the first installment before August 24.

This is the end of the introduction on how to repay the credit card after installment and how to repay the interest after installment. I wonder if you have found the information you need?