1. How to pay off the Agricultural Bank of China credit card installment?
Agricultural Bank of China credit card installment repayment method:
1. You can set up automatic repayment using Agricultural Bank of China UnionPay debit card.
2. Use Agricultural Bank of China online banking to repay.
3. Use the Agricultural Bank of China mobile client to repay the loan.
5. Go to the Agricultural Bank of China branch to repay the loan.
6. Repay at the Agricultural Bank of China ATM machine
When repaying the loan in installments at Agricultural Bank of China, you only need to transfer the money from the debit card to the credit card on time every month. However, it is worth noting that some require corresponding handling fees, so be sure to check carefully when repaying.
2. How to calculate the interest on the Agricultural Bank of China credit card installment repayment fee
1. The Agricultural Bank of China credit card installment payment rate standard: each installment fee is 0.6% of the installment principal.
2. Number of payment periods (months) for consumer installment payment industry
1.8%.4% for 3 months, 7.2% for 12 months
3. For example : Mr. Zhang’s bill date is the 10th. He bought a mobile phone worth 4,800 yuan on the 20th and applied for installment payment on the third day after swiping the card. Installment
The 12-instal installment fee rate chosen by Mr. Zhang is 0.6%, so the monthly repayment amount is: 4,800×0.6% 4,800÷12=28.8400=428, and 428.8 yuan will be returned in installments, and There is no need to pay other fees
4. Mail-order installments paid by Agricultural Bank of China credit card are not subject to designated merchants' POS installments in shopping malls, and are not restricted by specific merchants.
Extended information:
Agricultural Bank of China credit card installment payment business rules:
(1) The following transactions cannot be processed for installment payment business
1 , Various transaction fees, interest, and late payment fees collected in accordance with the provisions of the User Contract and the "Agricultural Bank of China Golden Harvest Credit Card Regulations"
2. Cash advance transactions.
3. Transactions in which the consumption amount plus installment payment fees occupy all the temporary credit in the account and the account is overpaid.
(2) Terms of consumption installment business:
1. The cardholder’s call to the Agricultural Bank of China’s 800 customer service hotline is equivalent to the cardholder’s acceptance of all the terms of the business. The Agricultural Bank of China has the right to rely on internal Business regulations and business judgment determine whether to agree to the consumption installment application independently
2. Transactions that have successfully applied for consumption installment are irrevocable and the fees will not be refunded.
3. The principal payable in each installment is equal to the amount of the installment applied for (") divided by the number of installments, and the installment handling fee payable in each installment is equal to the handling fee payable in each installment. The calculation of the handling fee is accurate to the nearest digit. , if the principal amount payable in each period is not divisible by the number of periods, the amount will be divided by rounding off the decimals, and the difference will be adjusted in the last period, if there is a partial overpayment in the current period, the installment amount will be the consumption amount. If the overpayment is less than 500 yuan, you cannot apply.
4. When the cardholder repays the current repayment amount listed on the bill in full before the due repayment date, the monthly consumption installment shall be due. You can enjoy the interest-free period when repaying the principal; the installment fee will be fully credited to the minimum monthly repayment amount of the credit card, and should be repaid on time along with the principal. If the applicant fails to repay the loan on time, Agricultural Bank of China has the right to use the credit card's overdraft. Interest is calculated based on the interest rate and interest calculation method, and is calculated according to the credit card charging standards and charging methods
5. If the installment extension conditions of Agricultural Bank of China are met, the maximum amount of each installment can be One extension is not allowed if the cardholder's account has an abnormality specified by the Agricultural Bank of China or the cardholder has paid off the installment principal.
6. The overpayment of the installment payment will be repaid in the next installment. If the principal is paid, the repayment will be deemed as repayment of the final installment. The repayment amount of the current period will remain unchanged; if the amount is overpaid, the number of repayment periods will be automatically reduced. If the handling fees are paid off according to the actual payment, the installment payment will be deemed to have ended. .
7. When the cardholder's credit situation deteriorates and the debt cannot be paid, the bank will record the entire outstanding amount of the installment payment as the minimum repayment amount of the current period in one go, charge the current installment payment fee, and Interest, late payment fees and other fees will be charged depending on the repayment situation.
8. For successful applications, if the returned amount fails to pay off the installment principal, the installment principal will be paid off in full. , the installment fee will not be refunded.
9. The cardholder must first pay off the unpaid consumption installment balance in advance, and then apply for cancellation. If a person has unpaid debts, Agricultural Bank of China will automatically renew the card as approved by the cardholder.
10. Agricultural Bank of China Credit Card Center reserves the right to modify these business terms, fee schedule and other fee standards for your benefit.