Credit card installment is a financial service that many cardholders will use. No matter which bank's credit card is staged, there will be a handling fee, but the specific rate standard is different. Today, I would like to introduce to you how to calculate the installment fee of CITIC Bank's credit card.
1, CITIC credit card bill installment
Application conditions: monthly bills above 200 yuan can be applied for installment amount; The installment amount shall not exceed 95% of the current bill amount.
Installment fee: the corresponding fee rate changes with the number of installments, as follows:
1 period:1.5%;
Phase 3 and 6: 0.8%;
9 issues: 0.76%;
12: 0.73%;
18,24 and 36: 0.75%.
Citic credit card single installment payment
Application conditions: single consumption amount 100 yuan or more.
Installment fee:
Phase 3 and 6: 0.8%;
9 issues: 0.76%;
12: 0.73%;
18,24 and 36: 0.75%.
Credit card installment fee = total installment amount, installment number and installment rate.
From the above, we can see that CITIC Credit Card bill installment and single installment are only different in the initial installment amount and the number of installments, the handling fee rate is the same, and the bill installment is more flexible.
Then, if the cardholder Xiaobai uses the CITIC credit card bill to ease the repayment pressure, he chooses 5000 yuan in the bill to repay in six installments, and the handling fee is 50006 yuan.
Encyclopedia of knowledge: all major banks know the encyclopedia of credit card installment fees.
Everyone must know how to calculate the installment fee of CITIC Bank's credit card. As long as you know the charging standard, the calculation is simple. In fact, if you can repay in full, the handling fee in 240 yuan will be saved. Therefore, it is best to do what you can when using credit cards.
How much is the installment fee for CITIC Bank's credit card?
1, a computer with a price of 22,000 yuan was swiped into 18 installments with a handling fee of 0.82% for each installment.
The repayment amount of each installment =(22000/ 18220000.82%) yuan.
2. Credit card installment fee of CITIC Bank is 20 15. Please refer to the following report for details.
Periods: 1, 3, 6, 12, 24, 36.
Monthly handling fee rate:1.50% 0.82% 0.82% 0.77% 0.76% 0.76%
Example: loan 65438+ RMB100000 monthly handling fee 150828277676.
Transfer to the savings card of CITIC Bank, and it will arrive on the next working day after submission; Transfer to the blue card that has been opened and the card status is normal, and receive the account in real time; Transfer to another bank savings card and receive it within 3 working days after submission.
Just repay the installment arrears directly to the credit card for the New Express.
China CITIC Bank has 6 issues: 3, 6, 9, 12, 18 and 24. The charging method is to charge the current fee every month. The starting point of collection method is 100 yuan, and the cumulative starting point is 200 yuan.
How to calculate the installment interest and handling fee of CITIC Credit Card?
Credit card installment payment of China CITIC Bank.
Number of installments and handling fee rate: 3 installments, 0.65%; 6 periods, 0.60%; 12, 0.55%; 24 issues, 0.60%.
Handling fee per installment = total installment amount × handling fee rate per installment.
Monthly (installment) repayment amount = installment amount/number of installments, and corresponding handling fee rate =20000/6200000.60%=3543.33.
Interest =3543.336-20000= 1259.98
How to calculate the installment fee of CITIC Bank's credit card?
Different stages charge different fees.
There are the following types for reference:
1. For ordinary credit card bill installment/single installment, the handling fee is as follows:
According to a certain proportion of the total installment amount (monthly commission rate): 1%( 1), 0.8%(3), 0.72%(6), 0.72%(9), 0.64%( 12), 0.64%.
2. The credit card of CITIC Bank is divided into cash installments, and the installment fee is charged according to a certain proportion of the total installment amount:
(1) monthly commission rate: 0- 1%( 1), 0.8%(3), 0.78%(6), 0.76%( 12), 0.74%(24).
(2) Daily handling fee rate: 0.04%(7 days, 10 days, 14 days, 20 days);
3. The installment fee of CITIC Bank's credit card dream-realizing fund is charged according to a certain proportion of the total installment amount (monthly rate): 1%( 1) and 0.75%(3, 6, 12, 24, 36);
4. Shopping in the mall is divided into stages, and the installment fee is charged according to a certain proportion of the total installment fee rate: 2%-4.5% (three stages), 3%-5.5% (six stages), 6%-6.5%( 12 stages) and 12%(24 stages).
According to the bank's assessment of customer risk, the handling fee rate charged to customers with different risk levels will be adjusted within the range of 50% above and below the benchmark rate.
At present, the installment service of CITIC Bank's credit card includes bill installment and single installment. The installment fee is the same. The bill installment amount must be above 200 yuan, and the maximum amount of the bill installment application shall not exceed 95% of the current bill amount. The installment amount of a single consumption must be 100 yuan or more.
In addition, you can also apply for 1 installment, and the handling fee rate is 1.5%, which is equivalent to extending the interest-free period.
In addition, the credit card installment rules of CITIC Bank are as follows:
According to the regulations of CITIC Credit Card Center, CITIC Bank's credit card installment business includes bill installment, installment shopping and cash installment.
Credit card billing installment refers to the financial function of the cardholder to repay credit card transactions in RMB and US dollars in installments, including the installment of unbilled transactions and billed transactions. There is a handling fee in installments, but it can reduce the repayment pressure.
Credit card installment shopping means that the cardholder swipes the credit card at the credit card mall or the cooperative merchant designated by the bank, and only needs to pay the purchase amount in installments, and there is a handling fee for installment shopping.
Credit card cash installment refers to the business that banks provide cardholders with installment repayment. After successful processing, the money will be transferred to the debit card in the cardholder's own name for the specific consumption of the consumer, but there is a handling fee. Credit card cash installment of CITIC Bank also includes products such as "quick money", "cash loan", "trust treasure" and "group treasure". The features of specific products can be found on official website Credit Card of CITIC Bank.
Credit card 10000, how much is the handling fee for the 36th installment 100000? 200,000?
Take CITIC Credit Card as an example: credit card 10000 yuan, installment fee for 36 installments, 75 installments 10000 yuan, 750 installments/200000 yuan, installment fee 1500 yuan.
Cardholders can apply directly through self-service channels such as CITIC Bank's mobile phone client (mobile phone card space), official website, official WeChat (CITIC Bank credit card) and official WeChat account. You can also call the Credit Card Consumer Credit Hotline of CITIC Bank at 40069-95558 to handle various installment services such as bill/single installment, cash transfer and dream-fulfillment installment. The service hours are from 8: 00 to 24: 00 from Monday to Sunday.
The credit card bill of CITIC Bank is consistent with the single installment fee rate, as follows: 1, 1.50%, 3, 6, 9, 12, 18, 0.75%, 24.
Extended data
The credit card bill of CITIC Bank will be charged by installments, and the single installment amount will reach 2000 1 yuan or above, and the handling fee will be charged by installments; 20 thousand yuan and below, the handling fee is charged at one time. After the installment business application is successful, the handling fee will be credited to your credit card account in installments or at one time according to the corresponding collection method, and will not be refunded once it is collected.
Credit card installment time of Xinhang Bank is:
Single installment time: from the transaction date to the billing date 1 day.
Time for billing installment: 65438+ 0 days from the billing date to the final repayment date.
Tips: Whether the installment application is passed or not is subject to the system evaluation results.