1. Can the credit card bill of the Postal Savings Office be repaid in advance by installments?
Yes, but you need to apply. There are two application methods:
1. Telephone application: call 4008895580-1 Chinese service-enter information-# main menu -0 manual service -5 installment payment, please ask the customer service staff to repay in advance.
2. Online banking application: Individual online banking subscribers can log on to the website of Postal Savings Bank and choose to prepay through Personal Online Banking Login-Credit Card-Credit Card Installment.
After the approval of the bank, you make an early repayment, and then calculate the minimum repayment amount of the remaining unpaid principal and the remaining installment fees into the next credit card bill. All you have to do is pay the bill. After successful repayment, your credit card bill will be completely terminated by installments.
2. Is it cost-effective to prepay the credit card bill of the Postal Savings Office in installments?
Whether it is cost-effective to prepay bills in installments mainly depends on whether there is a handling fee for the remaining unpaid installments.
Postal savings bank credit card installment fee is charged on schedule. Although there is no need to charge prepayment fee for prepayment, there is still a fee for unpaid installments.
The above is "is it ok to prepay the postal credit card bill in installments?" Is prepayment worth it? Related introduction. In short, the credit card bill installment of the Postal Savings Office can be repaid in advance, but you must apply to the bank to terminate the bill installment. Moreover, the prepayment fee for the remaining unpaid installments will not be reduced, which is not very cost-effective and does not make much sense.