Does Societe Generale Credit Card need to be repaid at will?
What I want to say here is that as long as the free quota is successfully handled and the amount has been credited to the credit card account, the contract signed at the time of handling will take effect. No matter whether you use the amount in the card or not, you must repay the money in installments as agreed in the contract.
Although all repayments are returned to the credit card account, the bank will not deduct money from any amount in the account to repay. This money can only be used as overpayment and will not be deducted from the credit card arrears in each period. Even if you haven't moved a penny, you have to pay back so much money and pay a handling fee.
For example, if you handle the free payment of 20,000 yuan in installments of 12 and the handling fee period, you still have to pay back 20,000 yuan to the bank, and then you have to pay back the handling fee of 1.920 yuan, that is, the principal of each installment+1.60 yuan.
Seeing this, many card friends must feel that it is not cost-effective, thinking that early repayment is better and can avoid tossing, but even if repayment is made in advance, the handling fee will not be less than one point, and so much money will be paid back, so this is unnecessary.
Therefore, when dealing with arbitrary division, we must read the terms clearly and don't pit ourselves. If there is no consumer demand after handling, you can visit relatives and friends who have nothing to buy, buy them with a credit card, and then ask them to give you money, so you can repay. Although it's more troublesome, it's better than not returning it.