If you want to pay by installment, you can choose to pay by installment when you pay, or you can choose to pay by installment when you repay after paying in full. When the user chooses to pay by installment, the number of installments will be set on the payment page, and the user only needs to swipe his card. Since it has been paid in full, the user can choose to pay the bill in installments, so that he can repay it in installments.
In fact, installment payment and installment repayment are essentially credit card installments, and the effect is that users can repay in installments, and users can choose any installment method.
Credit cards can be divided into 36 periods at the longest, and most banks can be divided into 24 periods at the longest. After credit card installment, you need to pay installment fee. Although the monthly repayment pressure is reduced, the total repayment amount is increased. And often handle the installment business, which is also a manifestation of the poor economic situation of users. In fact, this is not conducive to repayment.
Some users think that banks can charge more for installment business and are more willing to increase the credit card limit. This understanding is wrong. Banks give users credit cards with reference to their credit information, repayment ability and credit card usage.
There are many loan platforms in the market, and people can apply for borrowing money. Each loan platform has its own characteristics and audience. If we want to make statistics and ranking on these loan platforms, it is indeed a relatively huge project. It took a few days to take stock of the top ten conscience loan platforms for everyone, with a maximum loan of 500,000. Let's have a look!
Du xiaoman
Xiaoman is a small loan product under Baidu Finance. Hold the financial license issued by China Banking and Insurance Regulatory Commission, and have the qualification of private lending. Users can choose their own loan products at will, and then make loans. The minimum daily interest rate for Xiaoman is 0.02%. Click online to apply for a maximum of 200,000! Online operation in the whole process, supporting borrowing and returning.
Bank loan installment repayment method
The commercial loans you handle in Bank of China mainly include "equal monthly repayment of principal and interest", "monthly repayment in average capital" and "one-time repayment at maturity". Please consult the local branch of Bank of China for details.
The above contents are for your reference. Please refer to the actual business regulations.
How does China Bank pay by installment?
At present, BOC credit card installment types include transaction installment, bill installment, merchant POS installment, special installment and cash installment. Consumption installment, bill installment and cash installment can be applied for 3, 6, 9, 12, 18, and 24 installments at present, with different installment fees. Transaction installment and bill installment can be handled through mobile banking, "China Bank Credit Card" WeChat official account, colorful life APP, online banking, customer service hotline and other channels.
The above contents are for your reference. Please refer to the actual business regulations.