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Ping An Bank Credit Staging

Can Ping An Bank repay in advance by credit card installment?

Yes.

1. Ping An Credit Card can still apply for prepayment after applying for installment repayment, but there are two matters to be noted. When handling the prepayment of Ping An Credit Card by installment, it is necessary to apply to Ping An Bank Credit Card Center by telephone one month in advance, and the prepayment can be made after the application is passed; Secondly, prepayment will not reduce the installment fee, and it is still necessary to pay off the fee.

2. Credit card bills can be repaid in advance after installment. Under normal circumstances, the credit card bill is divided into 1-24 installments, and the cardholder can freely choose the period of bill installment within this range. Although you can repay in advance after using the bill, the handling fee will still be charged. Therefore, if you apply for credit card bill installment, it is best to repay it on time, which is the most cost-effective.

1. In the daily use of credit cards, banks don't charge any fees, but the installment service of credit cards is not free. Handling credit card installment requires handling fees. Different banks charge different fees, and the number of installments selected is different, and the rate is also different. However, no matter which bank is selected, the actual annual interest rate converted into installments is alarmingly high. In addition to the installment fee is a "pit", but also remind everyone that credit cards are repaid in advance by installment, and the handling fee is still charged!

2. It is understood that most banks now charge credit card installment fees by installments. Nevertheless, most banks stipulate that after credit card installment, if they have sufficient funds in their hands and want to repay in advance, the installment fees will not be exempted. For example, as stipulated by Bank of Communications, "If you need to end the installment in advance, the received handling fee will not be refunded, and the remaining handling fee shall be paid in one lump sum"; China Merchants Bank stipulates that "if you need to cancel installment or prepay, you need to apply for installment settlement, and the unpaid installment amount and handling fee must be paid off in one lump sum, and prepayment cannot be revoked."

3. Therefore, it is suggested that once the installment is selected, it is good to repay the loan on schedule. Even if you have enough money in your hand to pay off the bill in advance, the bank will still charge a lot of fees. It is better to repay the loan slowly and use the remaining money in your hand to do some small financial management to balance the formalities.

How to calculate the interest of Ping An Credit Card installment

Ping An Bank's credit card installment has no interest, but only a handling fee. The number of installments of Ping An Bank's credit card is different, and the handling fee rate of each installment is:

2 installments [.7%, 1.15%];

phase 3 [.7%, 1.3%];

Phase 4 [.68%, .96%];

phase 5 [.68%, .93%];

6 periods [.68%, .9%];

7 [.66%, .89%];

8 periods [.66%, .87%];

9 [.66%, .87%];

1 periods [.64%, .86%];

11th period [.64%, .85%];

12 periods [.64%, .85%];

18 periods [.62%, .84%];

24 periods [.6%,.84%].

the payable amount of each installment of Ping An Bank's credit card = total installment amount ÷ number of installments (the remainder is recorded in the payable amount of the first installment)+total installment amount × handling fee rate of each installment.

Extended information:

1. Payment by installments of Ping An Bank's credit card bills

Payment by installments means that the cardholder can freely choose 6, 9, 12, 18 and 24 installments after the bill of credit card consumption and before the due repayment date of this period.

Second, Ping An Bank credit card single consumption installment

The advantage of single consumption installment lies in free installment. Cardholders can apply for 3, 6, 12, 18 or 24 installments freely, and the number of times to apply for single consumption installment every month is not limited. You can apply for a single consumption below 1, yuan. After the application is successful, the first installment amount and handling fee will be generated in the current bill, which will meet the cardholder's large consumption demand and directly.

ping an bank-bill installment

how to calculate the installment of ping an credit card

ping an credit card provides bill installment and single consumption.

application time of bill installment: the time limit for applying for bill installment starts from the day after the bill is issued and can be applied until the due repayment date +1 day. For example, customers can apply for the bill on the 5th of each month, that is, from June to 24th.

application time for single consumption by installment: during the period from the date of credit card swiping to the date of the latest billing date, for example, the billing date of the customer is 5th, and the consumption is 23rd, that is, the application can be made from 23rd to 5th of the following month.

The installment fee is charged as follows:

The number of bill installments and the fee rate are as follows:

The number of single consumption installments and the fee rate are as follows:

1, installments, and the fee for each installment is calculated at .82%. The monthly fee is 82 yuan.

after handling the installment business, the installment amount of each installment is that the installment principal is evenly distributed to the monthly bill according to the number of installments, and the balance, if any, will be collected in the first installment; At the same time, the installment fee is also charged for each installment, and the rates of different installment fees are also different. If you apply for early settlement of installment business, you must pay the unpaid installment balance and unpaid handling fee in one lump sum, and they will be included in the minimum repayment amount together.

The APPlication method is as follows:

1) After logging in to the new pocket bank app, click: Credit Card-More-Loan by installments, and apply according to the prompts;

2) Log in to the following link: Ping An Credit Card Online Banking Link Log in to Credit Card Online Banking, and click "Financing by Stages" in the operation interface.

how many periods can Ping An Credit Card be divided into?

The longest period is 24 periods.

There are 6 installments, 9 installments, 12 installments, 18 installments and 24 installments of the bill. You can freely choose the number of installments, and the installment fee varies according to the number of installments.

interest will not be charged for timely repayment in full every month after installment

principal of each installment = total installment amount ÷ number of installments

handling fee of each installment = total installment amount × monthly installment rate, and monthly principal and handling fee will be billed on a monthly basis.

Extended information

Most domestic banks have credit card installment business, and installment payment is generally divided into shopping mall (POS) installment, "mail order installment" and bill installment by means of internet and mail according to different occasions.

1. Shopping mall staging

Also known as POS staging, it means that cardholders go to shopping places and shop in "shopping malls" that can be staged. When checking out, hold the credit card that supports installment in this mall to explain that installment payment is required. Then the cashier will swipe the card on a special POS machine according to the number of periods required by the cardholder (such as 3 periods, 6 periods, 12 periods, etc., and a few shopping malls support 24 periods).

note: when staging a shopping mall, you need to verify the identity of the cardholder, so remember to bring your ID card.

shopping malls are generally free of charge in three stages. The rates for the 6th and 12th installments are different from bank to bank. As long as the goods that are paid by installments are normally sold in the shopping mall, they can generally be paid by installments. In many cases, the cardholder can also bundle a number of goods together to check out, and then carry out the installment.

2. mail order installment

means that the cardholder receives the installment mail order catalog manual (or the online installment mall of the bank) sent by the card issuing bank and selects from the limited commodities. Then, the bank will order by installment through online installment mall, telephone or fax the installment application form, etc.

generally, there is no handling fee for mail order installment regardless of the number of installments. However, due to the long ordering cycle (in many cases, it will take more than 15 working days to get the goods) and the relatively complicated return and exchange, it is recommended to make more comparisons before buying.

3. installment of bills

This is the most convenient installment method, and all card-issuing banks can basically support this installment method, and the application is simple. Users only need to apply for installment to the issuing bank by telephone after spending by credit card and before sending monthly bills. However, it should be noted that banks will stipulate some special cases, such as speculative credit card can not be successfully phased. So before staging, be sure to read the staging manual carefully.

the disadvantage of bill installment is that you can't waive the handling fee. The longer the number of installments, the higher the handling fee, and all of them should be borne by the cardholder himself.

ping an bank-credit card online customer service

what is the mail order staging of ping an credit card

generally, the mail order staging is by telephone or in the pocket mall, and you can visit the pocket bank APP- my-my order for detailed order information. If you have any questions, you can also log on to the Pocket Banking APP- Credit Card-Customer Service Sign in the upper right corner and turn to manual assistance for verification.

ping an bank credit card. how do I divide the bill by installments? How to calculate the monthly payment if 3, installments are made in December? Interest handling fee

monthly repayment =3/12+3.64%=269.2 yuan.

Ping An Bank is divided into two or three phases, and the monthly handling fee rate is .7%; .68% in 4~6 stages; .66% in 7-9 stages; .64% in 1~12 installments, with monthly handling fee.

handling fee per installment = total installment amount × handling fee rate per installment. The total amount of installment principal is amortized on a monthly basis, and the remainder is included in the last installment. The installment amount of each period and the handling fee of each period are recorded at the same time.

Credit card installment consumption of Ping An Bank can be divided into mail order installment and bill installment. The credit limit is the maximum amount obtained by the cardholder when applying for a credit card for the first time. If the cardholder holds a credit card issued by Zhang Pingan Bank, the maximum amount under his name shall prevail.

extended information

1. mail order installment

the cardholder receives the installment mail order catalog manual sent by the card issuing bank and selects from the limited commodities. Then, order by online installment mall, call or fax mail order installment application form, etc., and mail order installment is generally free of charge regardless of the number of installments.

2. installment of bills

after spending by credit card and before sending monthly bills, you can apply for installment to the issuing bank by telephone or other means. However, it should be noted that banks will stipulate some special cases, such as speculative credit card can not be successfully phased.

The main benefits of credit card installment:

1. Enjoy first, then pay.

2. No guarantor, simple procedure.

3. Fixed time and easy payment.

4. Pay at will. The monthly repayment amount is optional

5. There is more room for choosing payment methods.

Baidu Encyclopedia-Ping An Bank Credit Card

Baidu Encyclopedia-Credit Card Bill Installment

Baidu Encyclopedia-Credit Card Installment

So much for the introduction of mail order installment of Ping An Credit Card.