If you want to pay by installment, you can choose to pay by installment when you pay, or you can choose to pay by installment when you repay after paying in full. When the user chooses to pay by installment, the number of installments will be set on the payment page, and the user only needs to swipe his card. Since it has been paid in full, the user can choose to pay the bill in installments, so that he can repay it in installments.
In fact, installment payment and installment repayment are essentially credit card installments, and the effect is that users can repay in installments, and users can choose any installment method.
Credit cards can be divided into 36 periods at the longest, and most banks can be divided into 24 periods at the longest. After credit card installment, you need to pay installment fee. Although the monthly repayment pressure is reduced, the total repayment amount is increased. And often handle the installment business, which is also a manifestation of the poor economic situation of users. In fact, this is not conducive to repayment.
Some users think that banks can charge more for installment business and are more willing to increase the credit card limit. This understanding is wrong. Banks give users credit cards with reference to their credit information, repayment ability and credit card usage.
There are many loan platforms in the market, and people can apply for borrowing money. Each loan platform has its own characteristics and audience. If we want to make statistics and ranking on these loan platforms, it is indeed a relatively huge project. It took a few days to take stock of the top ten conscience loan platforms for everyone, with a maximum loan of 500,000. Let's have a look!
Du xiaoman
Xiaoman is a small loan product under Baidu Finance. Hold the financial license issued by China Banking and Insurance Regulatory Commission, and have the qualification of private lending. Users can choose their own loan products at will, and then make loans. Xiaoman's minimum daily interest rate is 0.02%, and click online to apply for a maximum of 200,000! Online operation in the whole process, supporting borrowing and returning.
Can a credit card be divided into 36 months?
Credit cards can be divided into 36 periods. Most banks can't choose to divide the consumption installment and bill installment into 36 installments, but when the bank has a cooperative relationship with a commodity, it will provide an additional installment number and then divide the installment into 36 installments.
Many times, users choose to divide themselves into stages, which can only be divided into 24 stages at most. For users, the credit card is divided into 36 periods, and the longer the number of periods, the more fees need to be paid.
Unless the merchant offers interest-free installment, it is more cost-effective to choose 36 installments, but the number of installments is long, and the risk of overdue will increase.
Extended data:
First, the advantages of credit cards
Compared with ordinary bank savings cards, the most convenient way to use credit cards is for ordinary consumption, and there is no cash in the cards. In many cases, it is enough to return the consumption amount on time.
If there is no deposit, you can overdraw and enjoy an interest-free period of 20-56 days. You can repay on time without interest (most banks will charge 0.05% interest on the day of withdrawal, and there is a 2% handling fee. ICBC is free of handling fees and only charges interest).
It is not only safe and convenient to swipe your card when shopping, but also a bonus gift. Special merchants who hold cards in banks can enjoy preferential treatment.
Accumulate personal credit, add credit records to credit files, and benefit for life.
Access to the whole country is barrier-free, and you can withdraw money or spend money by credit card on ATM and POS machines with UnionPay logo; (Note: Credit cards are only suitable for credit card spending. It is best not to withdraw cash, which is expensive and uneconomical. )
Mail the statement free of charge every month, so that you can grasp every consumption expenditure transparently; (Now advocating environmental protection, you can cancel the paper statement and change it into an electronic statement. )
Unique supplementary card function, suitable for husband and wife to jointly manage money or master children's financial expenses.
The free choice of one card and two currencies is popular all over the world, and consumption abroad can repay in RMB.
Validity period: It is known that the validity period of domestic credit cards is generally three to five years.
Second, the shortcomings of credit cards
The invention of credit card is like a double-edged sword, which can solve the temporary economic crisis. However, the purpose of issuing credit cards is to make money. Once the interest-free repayment time is exceeded, high interest will be charged, usually five ten thousandths of interest per day.
Blind consumption of credit cards is not like paying cash in a lump sum. I don't feel anything when I brush. A few figures lead to blind consumption and spending money like water.
Excessive consumption of notebooks, digital cameras and smart phones, while enjoying your favorite items in advance, you should also consider whether you can repay them.
If the interest rate is high, you will not take care of the credit card, which will lead to the failure to repay the loan as scheduled when the final repayment date comes, and the bank will charge you high interest.
Credit cards that need to pay an annual fee basically have an annual fee, but they basically have an annual fee-free policy. For example, CCB can be exempted as long as it is brushed three times a year; But if you don't swipe your card to the bank the specified number of times within a year, you need to charge an annual fee.
Stealing a credit card is basically a default credit card consumption without password, which is easy to be stolen by others when it is lost or stolen, causing unnecessary trouble or loss.
How does Minsheng Bank apply for 36 issues?
Log in directly to Minsheng Bank Mobile Banking. Click Mobile Banking, Credit Card, My Credit Card, Credit Card Installment and Bill Installment. Select the number of installments and enter the installment amount. Apply for SMS. Most banks provide five stages in the application process: 3, 6, 9, 12, 24. Only a few credit cards can be divided into 36 stages. Although all banks claim that they can apply for 36 installments at the longest, in practice, most of them will be controlled at 12 to 24 installments.
Brief introduction of Minsheng bank
China Minsheng Bank, referred to as CMBC for short, is the first national commercial bank initiated by private capital in Chinese mainland, which was established in 1996 65438+ 10/2. The main shareholders are Liu Yonghao's New Hope Group, Zhang Hongwei's Oriental Group, Lu Zhiqiang's China Oceanwide Holding Group, China Shipowners Mutual Insurance Association represented by Wang Yugui, China Life Insurance, Shi Yuzhu and so on.
Minsheng Bank A shares were publicly listed on the Shanghai Stock Exchange on February 65438+, and Minsheng Bank H shares were listed on the Hong Kong Stock Exchange on June165438+1October 26, 2009. 20 18 Fortune Global 500 List 25 1. 2065438+On June 26th, 2009, eight banks including China Minsheng Bank launched the first batch of enterprise information networking verification systems.
July 20 19, Fortune Global 500 ranked 232nd. 20 19 12 18, People's Daily China Brand Development Index 100 ranked 70th. In March 2020, it was selected as one of the top 500 global brands in 2020 185. In 2020, bankers also selected the best performing banks in China for the first time, and China Minsheng Bank ranked first among Chinese banks in terms of comprehensive scores.
In July, 200212002, the list of 40 most profitable companies in China Top 500 was released, and China Minsheng Bank was on the list. The month of 202 1 is 162 in the hurun brand list of 202 1.
The method of dividing 36 points of credit card of Shanghai Pudong Development Bank
Pufa credit card is divided into 36 phases by customer service in stages. Credit card refers to various media that record the relevant information of the cardholder's account, have the function of bank credit line and overdraft, and provide relevant banking services for the cardholder.
Bank of China paid 50,000 yuan by credit card, and wanted to pay it off in 36 installments. Want to know if this can be done? If you can, you need it every issue.
China Bank charges a certain fee for credit card consumption installment, bill installment and cash installment, and the fee varies with the installment times. The highest service fee standards are: 0.65% for the third phase, 0.60% for the sixth phase, 0.60% for the ninth phase, 0.60% for 12 phase, 0.65% for 18 phase and 0.625% for the 24th phase. Please refer to the specific handling fee shown when handling the business.
The above contents are for your reference. Please refer to the actual business regulations.
What credit card can be divided into 36 installments?
Credit cards of China Merchants Bank and China Construction Bank.
Payment by installments: choose 2, 3, 6, 10, 12, 18, 24 and 36 installments. The single installment fee rate is 0%~ 1.67%. The actual installment fee and the number of applicable installments are subject to the real-time evaluation results of China Merchants Bank Credit Card Center.
In the installment payment business of buying a car with dragon card launched by CCB, the cardholder agrees to pay the down payment (the down payment is the net car price minus the approved amount) and applies to CCB to use his dragon card to buy a family car at the designated dealer.
If it is a general consumption or bill installment, if the installment amount is large enough, the Agricultural Bank of China credit card can apply for 24 installments first, and then apply for an extension to display it as 36 installments. However, an additional extension fee is required. You can consult customer service first. Most banks have 36 phases for car staging and decoration staging.
Extended data:
At present, most banks offer five stages: 3, 6, 9, 12 and 24, while only a few credit cards can be divided into 36 stages, such as China Merchants, China Construction Bank and Minsheng Car Loan Card.
Compared with the stipulation that the loan period of bank loans and auto financing companies is generally 3 to 5 years, although all banks claim that they can apply for 36 loans at the longest, in practice, most of them will be controlled at 12 to 24 loans.
China Merchants Bank's credit card bill installment application requirements are as follows: installment application time: from the trading day to the repayment date, you can freely choose to installment the transactions under RMB or USD accounts.
Conditions for applying for bill installment: the applicant must hold a personal credit card of China Merchants Bank, have a good record of using the card, and have no delay in repayment in the current period. Customers who only hold business cards, business cards, purchasing cards, ANA protection cards or supplementary cards cannot apply for bill installment for the time being.
Application amount for bill installment: apply for RMB bill installment, and the minimum application amount for each installment is not less than 300 yuan RMB; For the installment payment of USD bills, the minimum application amount shall not be less than USD 65,438+000 each time.