How to calculate the installment fee of Everbright Bank Credit Card?

The installment fee of Everbright Bank Credit Card depends on the credit card holder’s installment amount, number of installments and installment rate. Under normal circumstances, the installment handling fee = the installment amount, the number of installments, and the rate per installment = the installment amount and the total installment rate. Under normal circumstances, there are six installments to choose from for Everbright Bank credit cards: 3, 6, 9, 12, 18, and 24. When the installment fee is paid in one go, the rates are: 2.9%, 4.9%, 6.9%, 9%, 13.6%, 18%, this rate refers to the total rate. The rates for on-schedule payment fees are 0.95%, 0.84%, 0.82%, 0.8%, 0.87%, and 0.9% respectively.

1. Credit card, also called credit card, is a credit certificate issued by a commercial bank or credit card company to consumers with qualified credit. It takes the form of a card with the issuing bank's name, validity period, number, cardholder's name and other contents printed on the front, and a magnetic stripe and signature strip on the back. Consumers holding credit cards can shop or consume at specially designated commercial service departments, and then the bank will settle the accounts with merchants and cardholders. Cardholders can overdraft within the prescribed limit.

2. Credit cards stipulated in the relevant laws of our country ("Interpretation of the Standing Committee of the National People's Congress on Relevant Credit Card Provisions") refer to credit cards issued by commercial banks or other financial institutions with the functions of consumption payment, credit loans, An electronic payment card with full or partial functions such as transfer settlement, cash deposit and withdrawal, etc. On December 1, 2017, the "English Translation and Writing Standards in Public Service Fields" was officially implemented.

3. Credit cards are divided into credit cards and quasi-credit cards. A credit card refers to a credit card in which the cardholder has a certain credit limit and can consume within the credit limit and then repay; quasi-credit card A debit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve as required. When the reserve account balance is insufficient for payment, the card can be overdrafted within the specified credit limit. The so-called credit card generally refers to a credit card only.

4. Application

Applicants for credit cards can be divided into units and individuals. Applicants should be institutions, enterprises and business units, foreign-funded enterprises and individual industrial and commercial households with independent legal person status in my country. Each unit applying for a credit card can receive a main card and multiple (5-10) supplementary cards as needed. To apply for a credit card, an individual must have a fixed occupation and a stable source of income, and provide a guarantee to the bank. The forms of guarantee include personal guarantee, unit guarantee and personal capital guarantee.

5. The application method is generally by filling in a credit card application form. The content of the application form generally includes the name of the applicant, basic information, economic status or source of income, guarantor and his basic information, etc. And submit certain copies of documents and certificates to the card issuing bank. After the customer fills in the application form truthfully according to the content, the customer must also submit the relevant credit certificate while submitting the completed application form.

6. The application form is accompanied by a credit card use contract. The applicant authorizes the card-issuing bank or relevant departments to investigate its relevant information, and submits a statement of the authenticity of the information, the card-issuing bank's privacy protection policy, etc., and must Has the applicant's autograph.

How to charge the installment fee for cash withdrawal by Everbright Bank credit card? What is the handling fee?

Credit cards are basically available to everyone now. Sometimes when people need funds, they will withdraw cash from the credit card. For example, many people will apply for cash withdrawal installment business, but cash withdrawal installment requires a certain handling fee. Different banks may charge different handling fees. So, how do you charge the installment handling fees for Everbright Bank's credit card cash withdrawals? What is the handling fee?

How to charge the installment fee for cash withdrawal by Everbright Bank credit card?

1. One-time payment;

2. Payment in monthly installments.

What is the handling fee for Everbright Bank’s credit card cash withdrawal installment?

1. One-time handling fee

If you choose to charge one-time handling fee when applying for cash withdrawal installments, then the handling fee for three installments is 3%, the handling rate collected in 6 installments is 5%, the handling rate collected in 9 installments is 7%, the handling rate collected in 12 installments is 18 installments, the handling rate is 2. Handling rate

If you choose to charge the handling fee in installments when applying for cash withdrawal installments, then the handling fee charged in 3 installments at once is 1%, and the handling fee charged in 6 installments The handling rate is charged in 9 installments. The handling rate is charged in 12 installments. The handling rate is charged in 18 installments. The above is the answer to "How to charge the installment handling fee for Everbright Bank's credit card cash withdrawal? What is the handling rate?" answer. There are two ways to collect the handling fees for Everbright Bank's credit card cash withdrawal installments, one is a one-time fee, and the other is a installment fee. According to different charging methods, their handling rates will also be different, and different number of periods , the handling fee will also be different.

Everbright Bank Credit Card Bill Installment

Ebright Bank Credit Card Bill Installment means that the customer applies for installment payment based on the consumption amount shown on the current bill (i.e. the consumption amount that has been issued for the current period). The amount must be greater than 500 yuan (inclusive) RMB.

For example, regarding the bill amount in installments, the customer's May bill shows an outstanding balance of RMB 10,000, and the bill details are all eligible for installment transactions (see Item 1 of Article 6). Then, customers can apply for IN time loan bill installment business when the repayment is due. The applied installment amount must be greater than (equal to) 500 yuan and not exceed 10,000 yuan.

1. Application amount for installment payment of Everbright Bank credit card bill: The amount applied for installment must be greater than RMB 500 (inclusive).

2. Application time for installment payment of Everbright Bank credit card bill

(1) Application through customer service phone: before 21:00 from the bill date to the due date of repayment;

(2). Apply through online banking: from the statement date to 16 days after the statement date.

3. Number of installments and handling rate for Everbright Bank credit card bill installments

Note: The handling fee is equal to the total installment amount multiplied by the installment handling rate, and is charged once in the current installment.

Application method:

1. Call the service hotline 400-6666-999 to apply.

2. Apply online through the "Bank Service Area" of the credit card website.

3. Call the 724-hour global service hotline 4007-888-888 to apply;

4. China Everbright Bank will call some customers to invite them to apply.

What is the installment interest of Everbright Bank Credit Card?

There is no interest for the installment repayment of Everbright Bank Credit Card, but there is an installment fee. If the transaction has not been recorded in your account, you can apply for twelve interest-free installments of your choice on the same day. The handling fee for each installment is 0.5%. If you repay in advance, you will only receive the handling fee for the month of repayment.

Ebright credit card installment business currently only supports three installments, six installments, nine installments and 12 installments. The installment handling fees are respectively: 2%, 3.50%, 5.00% and 7.00% of the installment amount. Among them, it is more cost-effective for users to divide into 6, 9, and 12 phases.

If 10,000 yuan is paid in installments, the handling fee for 3 installments is 100002%=200 yuan, and the average handling fee for each installment is 200/3=66.67 yuan; the handling fee for 6 installments is 100003.5%= 350 yuan, the average handling fee for each period is 350/6=58.33 yuan, the handling fee is cheaper than the 3rd period.

The trademark design of Everbright Bank Private Bank is mainly composed of diamond graphics that shine with gorgeous luster, which means that the product value and service quality are as solid and outstanding as diamonds; the purple light of diamonds symbolizes the private bank’s provision for high-end customers. The sense of value and respect presented by top-notch and customized services.

The diamond pattern is composed of the initial letters E and B of the English word "Everbright". On the one hand, it strengthens the association with the parent brand of Everbright and forms a parent-child brand association; on the other hand, it interprets the continued continuation of Everbright. The essence of sunshine quality service.

The bow tie shape in the diamond pattern expresses the provision of top-notch service experience to customers and embodies butler-style private banking services

As of July 6, 2011, the cumulative number of credit cards issued by China Everbright Bank exceeded 10 million. Successfully ranked first in the domestic credit card industry.

Ebright Bank’s credit card business was launched in 2004. It is one of the earliest joint-stock commercial banks in China to launch credit card business. Since the issuance of the card, Everbright Bank Credit Card Center has adhered to the purpose of "customer-centered" and is rooted in traditional Chinese culture. By promoting product innovation and improving service quality, it has promoted brand management, achieved large-scale development, and finally established an individual Based on the comparative advantages of market segments, we have developed a unique credit card operation path and achieved impressive results in just 7 years.

In line with the core values ??of "gratitude, innovation, and win-win", Everbright Bank Credit Card continues to innovate its business model and is the first in China to establish a scientific decision-making system based on data warehouse and with business intelligence as the core. Support system, using advanced data warehouse, data mining, OLAP (online analytical processing) and decision support technology, through customer value stratification, customer life cycle management plan, marketing activity management platform and other projects as well as various forecast models, to analyze customer transactions It is the first company to launch UnionPay Platinum Card, VISA Infinite Card and other products, the first mobile phone dynamic password verification method, and by improving value-added services, branch services, telephone services, repayment services and card use services, etc. Form a differentiated service system for Pujin card, titanium card, platinum card and unlimited card customers.

In 2010, the bank pioneered the first integrated deposit and loan card in the world, marking a true integrated debit card and credit card product

Everbright Bank credit card transaction installment payment fees , application methods and other details

1. Introduction to installment payment for Everbright Bank credit card transactions

2. Installment fees for Everbright Bank credit card transactions

Instalment procedures for Everbright Bank credit card transactions The calculation method of the total fee is: transaction amount × monthly rate × number of installments.

Number of installments and handling rates:

3. Installment rules for Everbright Bank credit card transactions

1. Application amount: principal of a single transaction in installments It needs to be more than RMB 2,000 (inclusive).

2. Application time: 4 working days after the transaction is recorded to the billing date.

4. How to apply for installment payment of Everbright Bank credit card transactions

(1) Call the Everbright Bank credit card installment service hotline: 400-6666-999 to apply;

(2). China Everbright Bank will call some customers to invite them to apply.

How much is the interest for paying 10,000 points in 6 installments with China Everbright Bank's credit card?

Ebright Bank does not charge interest for installment repayment, but it does charge a handling fee, so China Everbright Bank charges a handling fee in 6 installments. The rate is 0.5% per period, so if you use 10,000 points in 6 periods, the handling fee for each period is 100,000.5% = 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 a 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, 12, 18 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, the rate for each installment of new and old cards is 0.5%. The period rate is 0.8%.

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

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% and 0.83% respectively. , 0.85%, 0.9%, 0.93%, 0.9%.