36 installments, credit card repayment can be divided into 36 installments at most, and different credit card installment types, installment times and handling fees are different. To be sure, there is a formalities fee for credit card installment business. If you repay in full and on time every month, there is no interest charge. Usually, the more credit card installments, the higher the handling fee. Handling fee = total installment fee for each period.

The advantages of credit card installment payment are:

1. You can buy the goods you want or need urgently in case of insufficient cash or deposit;

2. You can reduce your repayment pressure and spread the consumption amount to three months or even longer for repayment;

3. Credit cards can be upgraded by stages.

The disadvantages of credit card installment payment are:

1. Credit card installment needs to pay the corresponding handling fee, and the more installment periods, the higher the handling fee;

2. Due to the need for installment repayment, the monthly overdue risk is increased.

Credit card installment repayment is a normal repayment method provided by the issuing bank. The cardholder is unable to repay in full before the repayment date. Choosing installment repayment is not overdue, nor will it cause overdue penalty interest and liquidated damages, nor will it affect personal reputation.

However, credit card installment repayment will generate a certain handling fee. If repayment is frequent, the bank may feel that the cardholder's financial strength is not good, which is not conducive to cash withdrawal. However, the occasional installment of credit cards may also help to increase the quota, and banks can profit from it.

Credit card installment interest is determined according to the installment time, and the charging standard of handling fee is different in different banks. Generally speaking, the more stages, the higher the handling fee rate. In addition, some banks will charge a certain fee for credit card installment.

Credit card installment can be repaid in advance, but you need to contact customer service in advance to terminate the installment. The cardholder should be reminded that once the installment application is successful, it is irrevocable. Even if the installment is terminated early, the handling fee for the remaining installments will still be charged. Credit card installment is usually divided into 1-36 installments. Applicants can choose freely, and the fees are different. They can choose the appropriate number of installments according to their personal economic situation.

How many times can a credit card be divided into installments at most?

It can be divided into 36 periods at most.

China Merchants Bank is divided into three phases, 0.9%; 0.75% in Phase 6; 12 0.66%; Charge a one-time handling fee.

Product features introduction:

1. There are many kinds of cards, which are novel, beautiful and attractive.

2. Telephone banking has a good service attitude and is convenient.

3. E-banking is associated with mobile phones, which is relatively safe.

4. Every consumption is notified by email, and every online transaction and general credit card transaction that exceeds 300 yuan is reminded by SMS.

Extended data:

Most domestic banks have credit card installment business, and installment payment is generally divided into POS installment, "mail order installment" and billing installment through the Internet and mail according to different occasions.

Shopping center installment payment

Also known as POS staging, it means that cardholders go to shopping places, such as "shopping malls" where staging can be carried out. When you check out, you need to pay by installment with a credit card supported by the mall. Then the cashier will swipe the card on the special POS machine according to the number of periods required by the cardholder (such as 3 periods, 6 periods, 12 periods, etc.). There are also a few shopping malls that support the 24 th issue).

Note: When staging in the mall, you need to verify the identity of the cardholder and remember to bring your ID card. Shopping malls are generally free in three stages. The rates for Stage 6 and Stage 12 vary from bank to bank.

As long as the goods are sold normally in shopping malls, they can generally be paid by installments. In many cases, the cardholder can also bundle a number of goods together for settlement, and then pay in installments.

Mail order installment payment

It means that the cardholder receives the installment mail order catalog manual sent by the issuing bank (or the online installment mall of the bank) and chooses from the limited commodities. Then the bank orders in installments through online installment mall, telephone or fax installment application form, etc.

Generally, there is no handling fee for mail order installment regardless of the number of installments. However, due to the long ordering cycle (in many cases, it takes more than 15 working days to get the goods), and the return is relatively complicated. It is recommended to compare before buying.

Bill installment payment

This is the most convenient staging method, which can be basically supported by all issuers, and the application is simple. Users only need to apply to the issuing bank for installment by phone after spending their credit cards and before sending monthly bills.

However, it should be noted that banks will stipulate some special circumstances, such as speculative credit cards can not be successful in installments. So before the trial run, be sure to read the trial run manual carefully.

How many installments can a credit card repay?

Credit cards can be divided into 3 periods, 6 periods, 9 periods, 12 periods, 18 periods, 24 periods and 36 periods. Users can choose the number of installments when handling installment business. The card is automatically phased, so the number of stages was selected from the beginning. As long as the consumption amount reaches the minimum installment amount standard, the consumption amount will be automatically phased according to the set number of installments.

The installment rate may be different for different installments of credit cards. Users can choose the number of installments according to their own economic repayment situation and repayment ability.

1. The number of credit card installments mainly depends on the regulations of the issuing bank and the types of installment business handled by customers. However, most bank credit cards mainly have three periods, six periods, nine periods, 12 periods, 18 periods and 24 periods. Some bank credit cards can be divided into two special periods: 10 and 36 periods (please call the customer service of the issuing bank for details, subject to the installment page).

Second, customers should choose the appropriate number of credit card installments according to their own needs and repayment ability. However, it should be noted that the installment fee rate may be different depending on the number of installments selected. Of course, the longer the number of credit card installments, the more installment fees you have to pay. Customers are advised not to always apply for long-term installment, so as not to make the bank think that the repayment ability is insufficient, which is not conducive to increasing the card amount. Usually, it is enough to choose 3 to 6 periods. If the period is long, 12 is enough, not too long.

Third, credit cards, also known as debit cards, are mainly used for overdraft consumption. After the user applies for a credit card, the bank will give you a certain amount, and the user can make overdraft consumption within the amount, and need to repay after overdrawing the credit card. This is a way of spending first and then repaying. Credit card is equivalent to++provided by banks to individuals based on personal credit. The amount of a general card is the amount given to you according to your personal credit history, assets and repayment ability, which is generally between 1000 and 100000.

Four, credit cards are divided into general card, gold card, platinum card and other grades, of which the general card amount is generally within 6,543,800 yuan, the gold card amount is within 6,543,800-50,000 yuan, and the platinum card amount is above 50,000 yuan. The highest credit card limit is the black card. In foreign countries, black cards belong to debit cards, unlimited, and only some top people in the world can handle them. Debit cards are not allowed in China, but only in the form of credit cards, and there are restrictions on black cards in China.

How many installments can a credit card bill be divided into?

General bills can be divided into three periods, six periods, nine periods, 12 period, 18 period and 24 periods, and the longest period is 24 periods.

65,438+0. The minimum consumption of banks applying for installment is basically between 500- 1.500 yuan, including ICBC 600 yuan, CCB, BOC, CMB 1.000 yuan, Bank of Communications 1.500 yuan, CITIC 1.200 yuan, ABC and ABC.

Everbright Bank does not require the amount. As long as the cardholder uses the designated card, the bill will be automatically divided into 12 installments.

2. Charging standard: for example, ICBC Phase III1.65%; 3.6% in the sixth period; 5.4% in the ninth period; 12 7.2%; 1811.7%; 24 issues15.6%; Charge a one-time handling fee.

Extended data:

Pay attention to credit card installment:

1. Interest-free doesn't mean fee-free.

In order to encourage everyone to apply for installment, many banks have played the banner of "0 interest rate", and credit card installment has no interest. Although there is no interest on the surface, interest is charged in another name, called "installment fee", which is actually interest. At present, the installment fee of most banks ranges from 0.5% to 0.9% per month.

2. The real interest rate is greater than the nominal interest rate.

The credit card installment fee is between 0.5% and 0.9% per month, which seems quite low. For example, 1 10,000 yuan is deposited in the bank for 12 months, with a monthly fee of 0.55% and a monthly repayment of 888.33 yuan. After one year's calculation, the principal is still 10000 yuan +660 yuan interest. On the surface, it looks quite low, but the real interest rate is much higher than this fee.

3. The prepayment fee will be charged as usual.

Many people think that it is enough to enjoy the benefits in installments and then pay back the money in advance. After the customer's application for installment payment is completed, in any case, these expenses will be borne, and some "pothole" banks even charge prepayment fees. Some banks also stipulate to pay off the installment bill in advance and exempt the handling fee for the remaining months.

Minimum repayment amount

If the cardholder cannot repay all the payables before the due repayment date, he can make repayment according to the minimum repayment amount stipulated by the issuing bank. The general minimum repayment amount is 10% of the consumption amount and other payables.

Baidu encyclopedia-credit card bill installment

Baidu encyclopedia-credit card

How many installments can a credit card be divided into at most?

Credit cards can be divided into 24 installments at most. Credit card bill installment is a kind of credit card installment. This kind of installment payment means that the credit card holder asks the credit card center to return the consumption amount to the bank in installments after using the credit card to swipe the card.

If you hold a credit card of China Merchants Bank, after full repayment, you have the function of bill installment (only holders of business cards, business cards (including financial business cards), shopping cards, ANA guarantee cards or supplementary cards cannot apply): you can enjoy an interest-free period but there is a handling fee. Handling fee per period = total amount per period × rate per period. The minimum handling fee for each period is 5 yuan, and the handling fee for each period = total amount = single period rate. At present, there are 2 -36 issues, and the single interest rate is 0%~ 1.67%. The minimum amount of each application for installment payment of RMB bills shall not be lower than that of 300 yuan. For the installment payment of US dollar bills, the minimum amount of each application shall not be less than US$ 65,438+000. The total amount of installment application for unbilled transactions must be equal to the sum of the original transaction amounts, and cardholders cannot apply for partial installment repayment for a single transaction. Cash advance transactions, installment transactions, real estate transactions, RMB funds that have applied for foreign exchange purchase and other transactions designated by banks cannot apply for bill installment payment. The maximum amount that can be applied for bill installment is subject to the actual evaluation result. There is a standard that the number of credit card installments can be divided into several periods at most. There are several simple installment payment services:

1, general temporary storage:

The general installment business of credit cards is generally divided into three months, six months, nine months, 12 months, 18 months and 24 months. Some banks have 36 months, while others have only 12 months. You need to pay the monthly repayment amount and all handling fees in one lump sum on the first repayment date below. The handling fee is about 4% to 10%, which varies from bank to bank. Please pay attention to the inquiry.

2. Handling installment payment at the merchant:

Generally, such a credit card needs to pay a certain handling fee, and the longest installment is about 36 months.

3. Large installment payment:

Large installments are generally used for car purchase and house decoration. The number of installments is generally 12 months, 24 months and 36 months, and the handling fee is about 4%, 8% and 12%. Generally, the monthly repayment amount and all handling fees are paid in one lump sum on the first repayment date.

So much for the introduction of credit card installment payment.