Pufa credit card cash installment is similar to cash withdrawal, but it can enjoy interest-free and can be repaid in installments, which is more cost-effective than cash withdrawal. If you have money on hand, you can repay it in advance by installments. Because of this, many card friends will handle this business when they are in urgent need. Here, I would like to remind you that the prepayment of Pudong Development Credit Card by cash installment will involve a problem of handling fee and handling fee calculation. Let's have a look.

1. How to repay the loan in advance by cash installment of Pufa Credit Card?

Although Pudong Credit Card supports early repayment after cash installment, you don't just return the remaining unpaid principal by yourself, but you need to apply to Pudong Credit Card Center, and the bank will handle it for you after approval.

In other words, if you want to repay in advance after handling the cash installment, you need to call the 24-hour customer service hotline on the back of the credit card of Shanghai Pudong Development Bank at 400-820-8788 to apply for manual service. After the approval, the bank will tell you how much money to pay back, and the calculated money will be included in the minimum repayment amount of the next bill. You must pay according to the next bill.

Otherwise, if the money is deposited into the credit card without application, the repayment amount exceeding the current period will be regarded as excessive repayment, and the remaining principal or handling fee will not be paid off in advance.

2. Prepayment fee for cash installment of Pudong Development Credit Card

The cash installment fee of Pudong Development Credit Card provides installment fee and lump sum fee. The prepayment fee for different repayment methods is different:

1. installment charge: If the handling fee is charged by installment, the remaining unpaid installment fee can be exempted, but you have to pay the bank a penalty of 3% of the prepayment principal at one time;

2. One-time charge: the handling fee paid will not be refunded to you.

The above is "Can Pufa Credit Card be repaid in advance in cash installments? How to calculate the handling fee? " I hope it helps you. In short, it is necessary to apply to the credit card center for early repayment of Pudong Credit Card in cash installments. If you collect it in installments, the remaining handling fee for early repayment will not be given, but if you collect it once, it will not be returned to you. It is suggested that you decide whether to pay in advance according to your handling fee payment method.

How to calculate the prepayment fee for Huaxia Bank's credit card installment?

The handling fee is calculated at 0.7% of the transaction amount. The time for installment payment can be divided into three periods, six periods, 12 period and 2 1 period, and the longest period can be 24 periods. Huaxia Bank credit card has different repayment amount and bill for everyone, because they will adjust the repayment bill according to each customer's income and salary payment, and we can also go to the bank counter to make adjustments in time.

How to charge the prepayment fee for credit card installment in China Bank?

After the installment is successful, the handling fee will be deducted (one-time/installment), and the handling fee settled in advance will not be refunded.

The above contents are for your reference. Please refer to the actual business regulations.

How to calculate the prepayment fee for credit card installment payment of China Merchants Bank?

1. How to calculate the prepayment fee for credit card installment payment of China Merchants Bank?

The installment fee rate of China Merchants Bank's credit card is related to the number of installments. The longer the installment time, the lower the fee rate. At present, China Merchants Bank offers seven installments, namely, installment 2, installment 3, installment 6, installment 10, installment 12, installment 18 and installment 24, and the corresponding handling fees for each installment are 1.0%, 0.9%, 0.75% and 0.7 respectively. Handling fee per installment = total installment principal × handling fee rate per installment corresponding to the number of installments. In addition, China Merchants Bank credit card charges liquidated damages to replace the remaining installment fees. That is to say, in addition to the previous one-time payment of the handling fee, there is no need to pay the handling fee for early repayment in installments, and only 3% of the outstanding principal is required as the handling fee for early repayment.

For example, the cardholder will pay 12000 yuan 12 installments for China Merchants Bank credit card, with the rate of 0.66% for each installment, and then repay in advance after paying off six installments. Only 6,000 principal, 6,000 yuan, 3% = 6,000 yuan, 180 yuan, liquidated damages =6 180 yuan, and the total repayment amount is 6 180 yuan.

It should be noted that the prepayment fee of China Merchants Bank's credit card installment will not be reduced. Once the prepayment fee of China Merchants Bank's credit card installment is collected, it will not be refunded, and the fees paid before cannot be refunded.

Second, how to repay in advance?

Different types of loans have different provisions on prepayment. For some loan varieties that have not opened the "pay-as-you-go" function, you can try to make early repayment through mobile banking.

For canceling the loan prepayment appointment, deduction time, repayment amount/term, and whether there is penalty/handling fee/penalty interest at the counter, you need to check the loan contract or contact the local post-loan service center for confirmation!

If it is a credit card, after the installment is successful, the installment amount and the number of installments cannot be cancelled or modified. If you need to pay in advance, you can call the credit card customer service number 4008205555, enter the ID number and inquiry password-then select 9 to enter the manual service.

Is there a handling fee for prepayment by credit card installment?

You can apply for a one-time payment.

At present, there are two ways to charge credit card bills: installment and one-time charge. The former is that the bank charges a monthly fee and the principal of each period; The latter is a one-time charge for all phases of the first phase. In either case, the prepaid handling fee will not be refunded, and the regulations of other institutions are different.

The advantages of credit cards are as follows:

1, there is no deposit for overdraft consumption, and you can enjoy an interest-free period of 20-56 days. Repayment can be made on time without any charge (most banks will charge 0.05% interest and 2% handling fee on the day of withdrawal, while ICBC will charge no handling fee but interest).

2. It is not only safe and convenient to swipe your card when shopping, but also a bonus gift.

3. Special merchants who hold cards in banks can enjoy preferential treatment.

4. National access is barrier-free, and you can withdraw money or spend money on ATMs and POS machines with UnionPay logo.

5, credit card consumption, some credit cards get existing points, a variety of discounts and sweepstakes throughout the year, so that you can always have surprises as long as you use the card.

6. Unique supplementary card function, suitable for husband and wife to jointly manage their finances or master their children's financial expenses.

7. Free choice of one card and two currencies is popular all over the world, and consumption abroad can repay in RMB.

8400 telephone or 5-digit short number with prefix 9 provides 24-hour service, and loss reporting takes effect immediately, with zero card loss risk.

9. Use the third-party platform for business cooperation and provide preferential services for cardholders.

Credit card installment is usually divided into 1-24 installments. Applicants can choose freely, and the fees are different. They can choose the appropriate number of installments according to their personal economic situation.

Most banks have such regulations on credit card installment: even if repayment is made in advance, a handling fee will be charged.

Bank of China

The installment fee will be charged once in the first installment and will not be refunded once charged.

China construction bank

The handling fee is charged in installments. The cardholder has successfully processed the bill installment. If he applies for prepayment, he must pay off all the remaining principal and handling fee in one lump sum, and the installment handling fee collected will not be refunded.

China Merchants Bank

The handling fee is charged in installments. If you need to cancel the installment or prepay, you need to apply for installment settlement. Unpaid installment amount and handling fee must be paid in one lump sum, and early settlement cannot be cancelled.

Bank of Communications

The handling fee will be collected in installments. If the installment is ended early, the fees received will not be refunded, and the remaining fees will be paid in one lump sum.

Guangdong Development Bank

The handling fee is charged in installments, and it is more convenient to prepay online banking in installments. After the prepayment registration is successful, the remaining unpaid handling fee and unpaid principal will be repaid in one lump sum.

So much for the introduction of how to calculate the prepayment fee by credit card installment.