How to calculate the installment fee of CCB's credit card
The installment fee rate of CCB's credit card bill is .75% for the 3rd installment, .7% for the 6th installment, .6% for the 12th installment, .6% for the 18th installment and .62% for the 24th installment. (Note: If the charging standard is adjusted, please refer to the latest announcement on the official website of CCB)
You can choose 3, 6, 12, 18 and 24 consumption stages (one stage per month), and the corresponding handling fees are .7%, .6%, .6% and .6% respectively. (Monthly handling fee = total installment fee rate).
Extended information:
1. CCB Credit Card is a credit card issued by China Construction Bank. The credit cards issued by China Construction Bank are all named as "Longka", including: Longka Famous School Card, Longka Business Card and Longka Automobile Card.
At present, the types of dragon cards that have been publicly issued are:
Dragon Card Famous School Card, Dragon Card Business Card, Dragon Card Automobile Card, China Eastern Airlines Dragon Card, Shanghai Volkswagen Dragon Card, Dragon Card Hong Kong Wonderful Travel Credit Card, China Construction Bank VISA Card, Yilong Changxing Dragon Card, Mango Travel Dragon Card and Dragon Card (Cup) Tennis Card.
Second, the materials needed to apply for a credit card:
1. The applicant's ID card;
2. credit card application form of the application bank;
3. Work certificate and income certificate stamped with the financial seal of the unit;
4. Individual and private businesses need individual business licenses and tax bills for the past three months;
5. Other financial proof: income tax withholding certificate; Copy of self-owned real estate license; Copy of self-owned car driving license.
3. Credit card application process:
1. Fill in the application form;
2. Information for the bank itself and a copy of the information;
3. The bank sends it to the credit card center;
4. The credit card center conducts auditing, card making and issuing;
5. after I get the card, I will open it and wait for the password letter.
IV. Consequences of overdue credit card
1. After the credit card is overdue, there is an interest-free period, which is about 2 to 5 days. There is no interest during this period, but if it is not repaid after this period, there will be interest. You have to pay interest in addition to the principal.
2. If it is overdue, it may affect your personal credit information, and your information will be uploaded to the credit information system of the central bank, thus becoming a faithless person, which will have a great impact on your future taking the high-speed train and buying a house and car.
3. Those who are seriously overdue will be classified as malicious overdraft of credit cards, and they will bear criminal responsibility and be sentenced, which will bring great troubles to their lives.
How to calculate the installment repayment of CCB Longka credit card
If CCB customers apply for bill installment/cash installment/consumption installment, please try to calculate the repayment amount of each installment by the following methods: 1. Log in to mobile banking, click "Credit Card-Card Service-Bill Installment/Cash Installment/Consumption Installment" in turn, enter the business processing interface, enter the installment amount and select the number of installments, and the page will display the repayment amount of each installment. 2. Log in to personal online banking, select a credit card through the menu of "Credit Card-Card Account Transaction-Credit Card Installment-Bill Installment Application/Cash Installment Application/Consumption Installment Application", enter the installment amount, select the installment number and other information, and click "Next" to confirm the installment application information interface, and the page will display the amount to be repaid in each installment. Tips: If the customer approves the trial results, he can continue to apply for installment business according to the page prompts.
(in case of business changes, please take the actual situation as the standard. )
How much is the installment interest of China Construction Bank's credit card
The installment fee is mainly charged, and each bank's handling fee is different, so you need to know the handling fee rate to calculate it. For example, if it is divided into 12 installments, the rate is .6% for one installment:
The installment principal = 3,/12 = 2,5 yuan.
the handling fee for each installment = 3,.6% = 18 yuan,
the total handling fee for the 12th installment = 18,12 = 2,16 yuan,
the repayment amount for each installment = 2,5,18 yuan = 2,68 yuan,
the handling fee = the handling fee rate for each installment of the installment principal.
after the cardholder successfully handles a single installment, the corresponding credit line of the credit card will be occupied, and the occupied credit line will be restored with each installment repayment until the last installment or all installment balances are paid off in advance.
the cardholder has successfully handled a single installment amount, and cannot apply for installment again and choose the lowest repayment method for repayment. If the cardholder fails to fully repay the remaining bill amount in the current period on time after successful handling, or the amount to be amortized in any period during the installment period is not fully repaid, it will be deemed as not fully repaid, and interest or late payment fees will be incurred.
:
1. Is it controlled by the wind that credit cards are not divided into installments?
It is indeed possible that the credit card will not be divided into installments, but it is not necessarily because the customer has failed to meet the installment requirements. For example,
1. The customer has not applied for installment within the specified time. For example, if the customer handles the installment of the bill, it needs to apply from the time after the account is issued to the repayment date, and when the repayment date arrives, it is generally impossible to apply again; If it is consumption installment, it usually needs to be applied after the consumption is entered into the account and before the billing date, and the application after the bill sunrise is the bill installment.
2. The installment amount applied for does not meet the requirements of the issuing bank: the bank has requirements for the installment amount of credit cards, and many regulations stipulate that the minimum installment amount should not be less than 5 yuan, so if the customer's consumption is less than 5 yuan, then this consumption cannot be applied for installment. Also, for example, the Construction Bank stipulates that the maximum amount of bill installment should not exceed 9% of the total amount of consumption in the issued bill, so customers can't handle it if they want to installment all the bill amounts of the card.
Second, the best solution to the credit card being controlled by the wind:
The user actively contacts the issuing bank to inquire about the reasons for the credit card being controlled by the wind; Then solve the problem under the guidance of customer service; When the problem is solved, the user can apply to restore the normal status of the card; After receiving the application, the issuing bank will re-examine the card, and when the card meets the conditions for releasing the risk control, the card will be released from the risk control status. Therefore, after the credit card is controlled by the wind, users should take the initiative to contact the bank instead of waiting for the bank to automatically lift the risk control.
how to calculate the handling fee for credit card installment of CCB?
the installment fee is charged on a monthly basis, and the fee rate varies with the number of installments applied.
CCB credit cards can be divided into three stages, six stages, ten stages, twelve stages, eighteen stages and twenty-four stages. The monthly benchmark handling fee rates are .75%, .7%, .65%, .6%, .6% and .62%.
handling fee for each installment = total installment principal × monthly handling fee rate, which will be recorded and collected on schedule on each billing day after installment.
Take the installment of 1, yuan as an example, the handling fee for each installment is divided into three installments, namely 75 yuan, 225 yuan for * * *, 7 yuan for six installments, 42 yuan for * * *, and so on, and 62 yuan for 24 installments, 1488 yuan for * * *.
China Construction Bank, a national vice-ministerial unit, is a large state-owned bank managed by the central government. It was established on October 1, 1954, and its head office is located at No.25, Beijing Financial Street.
The main business areas of China Construction Bank include corporate banking, personal banking and treasury business, with branches and subsidiaries in more than 2 countries and regions, and subsidiaries in many industries such as funds, leasing, trust, life insurance and property insurance.
On February 9, 222, Forbes released the list of the top 5 global blockchain in 222, and China Construction Bank was among them.
Company Profile
China Construction Bank Co., Ltd. is a leading large commercial bank in China, headquartered in Beijing, and its predecessor, China Construction Bank, was established in October 1954. The bank was listed on the Hong Kong Stock Exchange in October 25 (stock code 939) and on the Shanghai Stock Exchange in September 27 (stock code 61939). The bank's market value at the end of 219 was about 217.686 billion US dollars, ranking fifth among listed banks in the world. In terms of Tier 1 capital, the Group ranks second among global banks.
by 22, the bank has provided comprehensive financial services such as personal banking, corporate banking, investment and wealth management, with 14,912 branches and 347,156 employees, serving hundreds of millions of individuals and corporate customers. It has subsidiaries in many industries such as funds, leasing, trust, insurance, futures, pension, investment banking, etc. The overseas institutions cover 3 countries and regions, and there are more than 2 overseas institutions at all levels.
Branches
China Construction Bank has branches in China, Hong Kong, Singapore, Germany (Frankfurt), South Africa (Johannesburg), Japan (Tokyo, Osaka), South Korea (Seoul), the United States (new york), Vietnam (Ho Chi Minh City), Australia (Sydney, Melbourne), Luxembourg and China Taiwan Province (Taipei).
how does the credit card installment payment of China Construction Bank calculate interest?
The installment rate of CCB's bills is shown in the figure below:
Suppose you handle 8, yuan bill installment and divide it into 12 installments
The principal of each installment = 8,/12 = 666.66 yuan.
the handling fee for each installment = 8,.48% = 38.4 yuan/installment,
the repayment amount for each installment =666.6638.4=75.66 yuan,
the total handling fee for p>12 installments =38.412=46.8 yuan
the bill for the current period is due.
Let's stop here for the introduction of how to calculate the credit card installment of CCB.