How to calculate the installment fee of CITIC Bank's credit card? There is a difference between bill installment and single installment.
Credit cards of CITIC Bank can be cashed out through various channels such as bank outlets, ATMs, mobile phone card space and online banking.
Credit card withdrawal not only charges a handling fee, but also charges interest. So before you withdraw the cash, you should think clearly about the expenses you have to bear and see if it is cost-effective.
I. Credit card withdrawal fee of CITIC Bank
1, 2% of the cash withdrawal amount is collected in China, and the minimum is 20 yuan; Overseas, it is charged at 3% of the cash withdrawal amount, with a minimum charge of $3 or $30 or € 3;
2. southern fund card: the withdrawal amount is 1%, and the minimum charge is 9 yuan or 1 USD;
3. Blue card: No handling fee will be charged for withdrawing cash from CITIC Bank with a monthly cumulative amount of less than 500,000 yuan (inclusive), and 3% will be charged for the part exceeding 500,000 yuan; Inter-bank withdrawals are exempt from handling fees for the first two transactions of each bill month, and the excess amount is charged according to 2 yuan/transaction.
Two. Interest on credit card withdrawal of China CITIC Bank
From the date of cash withdrawal, interest will be calculated at the rate of 0.5 ‰ per day, and compound interest will be calculated monthly.
As can be seen from the above, CITIC Bank's credit card withdrawal fee is determined according to the withdrawal amount, which has nothing to do with the repayment time, but calculates the interest on a daily basis (equivalent to the annual interest rate 18.25%), which is not cost-effective for long-term withdrawal.
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If it is a short-term turnover, CITIC credit card withdrawal is not required, but the above 20 18 CITIC Bank credit card withdrawal fee can be calculated clearly. More and more people use credit cards. If you haven't already, I suggest you click on the quick entrance to get one.