Ebright Bank does not charge interest for installment repayment, but it does charge handling fees. Therefore, the handling fee of Everbright Bank in 6 installments is 0.5/period, so if you use 10,000 points in 6 installments, each installment The handling fee is 10000*0.5=50 yuan, and the total handling fee is 300 yuan. Therefore, plus the principal, 10,300 yuan will be paid back.

After the Everbright Bank credit card is overdue, the interest is calculated on a daily basis, and the interest rate is 0.05 per day. Moreover, when the credit card is overdue, the bank will also charge liquidated damages, which are calculated based on 5% of the unpaid portion of the minimum repayment amount.

Extended information:

The calculation formula for Everbright Bank’s credit card installment fee is: Handling fee per installment = Installment amount × Rate per installment. Everbright Bank credit card has bill installment handling fee, optional installment handling fee, transaction installment handling fee and cash installment handling fee. The handling fee rate is:

1. Bill installment: can be divided into 3 installments and 6 installments , 9 periods, 12 periods, 18 periods and 24 periods, the rates for each period are 1, 0.86, 0.82, 0.8, 0.87 and 0.9 respectively.

2. Optional installments: generally divided into 12 installments by default. The rate for each installment of credit cards for old customers who opened accounts before October 31, 2014 is 0.5; after that, each installment for new and old credit cards The rate is 0.8.

3. Transaction installments: It can be divided into 3, 6, 9, 12, 18 and 24 periods. The rates for each period are 1, 0.86, 0.82, 0.8, 0.87 and 0.9 respectively. .

4. Cash installment: It can be divided into 3, 6, 9, 12, 18, 24 and 36 periods. The handling fees for each period are 1, 0.85, 0.83, respectively. 0.85, 0.9, 0.93, 0.9.

Everbright Credit Card-Instalment Service