The credit card installment of Zheshang Bank mainly includes consumption installment and bill installment, and bill installment is the most commonly used installment method for cardholders. Today I will focus on introducing it to you. But in the installment, we must first understand the conditions of bill installment, including application time, application method, handling fee and so on.
The specific application conditions are as follows:
1. Application amount: The cardholder can apply for installment when the amount of the last bill reaches 200 yuan, and can apply for partial or full installment.
2. Application time: apply between the next day of the billing date and the third day of the final repayment.
3. Application method: You can apply online, or by SMS or telephone.
4. Number of periods and commission rate:
For the transaction that has been billed, apply for installment, and select the number of installments such as 3, 6, 9, 12 and 24. On September 30th, the preferential policy of installment fee was implemented, and the corresponding installment rates were 1.35%, 2.70%, 4.05%, 5.40% and 10 respectively.
5. You can't handle the bill installment transaction.
1 Various fees charged according to the Articles of Association of Zheshang Bank and the Credit Card Collection Agreement of Zheshang Bank, such as annual fee, cash withdrawal transaction fee, interest, late payment fee, over-limit fee and other credit card fees;
2. Cash transactions in advance;
(3) The principal and handling fee payable for each installment arising from the installment transaction;
Other transactions stipulated by Zheshang Bank.
take for example
Card friend Xiao Wu used Zheshang Bank UnionPay standard card to overdraw 5,000 yuan in August, and applied for full repayment in installments by telephone 12. Then,
The repayment principal of each installment: 5000÷ 12=4 16.67 yuan.
The handling fee for each installment is: 5000×5.40%÷ 12=22.5 yuan.
The repayment for each installment is: 416.67+22.5 = 439,438+07 yuan.
Zheshang Bank UnionPay Standard Card