1. Select the installment goods in the online shopping mall of China Merchants Bank's credit card and make online installment payment. In this way, in addition to the quotation, no additional installment fee or freight will be charged:
The second is to directly brush "installment payment" through merchants who have installment agreements with China Merchants Bank. Generally, there is no handling fee for the third installment, about 2% for the sixth installment and about 4% for the 12 installment, and it will be deducted for the first installment. Then take 12 as an example, the first payment = total price ÷ 12+total price ×4%, and the subsequent 1 1 only needs to pay the total price ÷ 12. This method should be the one with the least additional cost. Specific introduction:
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3. Of course, if the merchant who buys the goods is not the merchant of China Merchants Bank's installment agreement, but directly swipes the card and pays 1.500 yuan in one lump sum, then you can also try China Merchants Bank's new "bill installment", that is, about 90% of the consumption is divided into three installments, six installments or 12 installments, which bear 2.6%, 4.2% and 7.2% in one lump sum respectively. This is the second economical installment payment method. Details are as follows:
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Four, if the above two are not used, you can only do the "minimum repayment amount" for each period, and each period pays interest in cycles, which is relatively inferior to the above two preferential treatments. Details are as follows:
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