which is better than Guangfa Pudong Minsheng Credit Card?

Minsheng Credit Card is better, because there are many business outlets of Minsheng Credit Card, which can handle all kinds of credit card business conveniently, and Minsheng Bank's service is thoughtful and the credit card service fee is low.

How much is the installment fee for Minsheng Everbright Guangfa Credit Card? Let's see which one is the most cost-effective.

Credit card installment will always come in handy after large consumption. If you can't repay in full, installment payment is a good choice, so you don't have to bear interest or worry about overdue records. Different banks have different credit card installment fees. Today, let's take a look at the installment fees of Minsheng Everbright Guangfa Credit Card.

1. How much is the installment fee of Minsheng Credit Card

The fee rate corresponding to different installment numbers: 3 installments: .82%; 6 periods: .7%; 9, 12 and 18: .67%; 24 issues: .7%.

Second, how much is the installment fee of Everbright Credit Card

The benchmark rate for one-time payment: 2.56% for three installments; 6 periods: 4.65%; 9 issues: 6.45%; 12 periods: 8.85%; 18 issues: 13.6%;

the benchmark rate of equal payment in installments: 3 installments: .9%; 6 periods: .82%; 9, 12: .8%; 18 issues: .87%.

III. How much is the installment fee of Guangfa Credit Card

The corresponding fee rate for different installments: 6 installments and 12 installments: .7%; 18 issues and 24 issues: .72%.

For example, suppose that the total installment amount of cardholder Xiaobai's credit card bill is 2, yuan, and 18 installments are selected for payment. The procedure fee is as follows:

The installment fee of Minsheng Bank's credit card is 2,.67% 18 = 241.2 yuan;

Credit card installment fee of China Everbright Bank: the one-time fee is 213.6%=272 yuan, and the equal payment fee is 2.87%18=313.2 yuan;

credit card installment fee of guangfa bank: 2.72%18=259.2 yuan.

xiaobian analysis: in terms of the number of installments, Minsheng bank is more flexible than China everbright bank and China guangfa bank, with a minimum of 3 installments and a maximum of 24 installments; From the way of collecting fees, China Everbright Bank has two ways: one-time payment and equal payment. Those with strong repayment ability can choose one-time payment, which is more cost-effective. Judging from the handling fee, the installment fee of Minsheng Bank is the most cost-effective.

It doesn't matter whether it's better to run people's livelihood with provident fund or Guangfa Credit Card

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The interest rates of Guangfa Bank and Minsheng Bank are almost the same. You can run either bank, which is not related to the provident fund.

guangfa bank was established in 1988, and has been a member of China life insurance group since 216. it is a state-controlled national joint-stock commercial bank. China Minsheng Bank English name ChinaMinshengBankingCorpLtd, referred to as CMBC, Shanghai Stock Exchange 616 HKEx 1988 is the first national commercial bank established by private capital in Chinese mainland, which was established on January 12, 1996.

Which is better, Minsheng Credit Card or Guangfa Credit Card

Minsheng Bank Credit Card includes: Woman Flower Credit Card, Air China Companion Minsheng Joint Credit Card, Minsheng Sohu Aijia Joint Credit Card, Ham Paradise Credit Card, Minsheng Eastern Airlines Lianmin Credit Card, etc. Compared with Minsheng Bank, the number of credit cards issued by Guangfa Bank is indeed considerable, and it has a good reputation among consumers. The credit cards of Guangfa Bank mainly include: Guangfa Smart Credit Card, MasterCard Owner Card, 7-day Joint Credit Card, Ctrip Travel Credit Card, China Southern Airlines Pearl Credit Card and so on.

Comparing the application conditions, the conditions of the two banks are the same, mainly including two aspects: 1. Applicants for the main card must be at least 18 years old (foreigners, Hong Kong, Macao and Taiwan people must be at least 25 years old), and applicants for the supplementary card must be at least 13 years old (children of non-main card applicants must be at least 18 years old); 2. The main card applicant must have a legitimate occupation or a stable income. As for the application materials, the general requirements are work certificate, income certificate, credit record and detailed personal information.

Analysis from the above features: Minsheng Bank Credit Card: Credit card points are relatively high, and it does not occupy the quota by stages. Moreover, Minsheng Bank Credit Card Gold Card also has a very human lawyer service, with an interest-free period of 25 to 56 days, a handling fee of 1% for cash withdrawal, a minimum credit limit of 2, and a maximum credit limit of 2, yuan. Minsheng Bank has a big defect that there are fewer outlets, and the credit card does not support Alipay. Suitable for those friends who use Taobao less and value points more.

credit card of China guangfa bank: compared with Minsheng bank credit card, China guangfa bank+++does not need to pay the handling fee, and can realize 1% cash withdrawal after half a year. China guangfa bank has more outlets than Minsheng bank, providing 24-hour loss reporting service and supporting AliPay. However, the credit card of Guangfa Bank also has its own shortcomings. Compared with Minsheng Bank, the credit card of Guangfa Bank has a small limit, with a base limit of 3, and a maximum limit of 1,. Guangfa Bank Card is suitable for friends who like full cash withdrawal and low starting point installment.

Credit cards of different banks have different advantages and disadvantages, and there are many choices for credit cards of the same bank. Applicants need to choose a credit card according to their own actual situation and consumption demand. If it is mainly used for credit card swiping and online payment, it is best to choose a credit card that supports Alipay and has advantages in installment payment. If there are many cases, you can apply for a credit card that reflects free handling fees and a large amount.

This concludes the introduction of Guangfa vs Minsheng Credit Card, Minsheng Credit Card and Guangfa Credit Card. Did you find the information you need?