-If the landlord pays wages on 15, it is more suitable for the combination of accounting date on the 5th and repayment date on the 23rd, and so on.
2) About staging. The statement upstairs is not accurate because there are many stages of China Merchants Bank. Suning and Gome do shopping malls by stages. Even if they are divided into 12 stages, the handling fee is only more than 5%, while the "billing stage" with the highest handling fee is only 7.2%, never more than 8%.
-Because I don't know the specific city where the landlord is located, I can only take my Nanjing as an example. Suning will deliver the goods in installments within the range of 1500 to 30000, with the handling fee of 2.5% for the third or sixth installment and 4.5% for the 12 installment; Gome can receive the goods in installments within the range of 1500 to 50000, without providing 3 installments, with the handling fee of 2.5% for the 6th installment and 4.5% for 12 installment; The handling fee will be charged in one lump sum in the first installment. Take a notebook with 3000 yuan as an example. Your credit card limit must also be 3000 yuan. When you go to Suning to buy with your ID card and one-card card, tell the salesperson, for example, that you want to swipe your card in six stages, so that the cashier will check your ID card and swipe your card in stages. The handling fee will be collected in one lump sum in the first installment, that is, 3000÷6+3000×2.5%=575 yuan in the first installment, and then it will be returned to 500 yuan every month for five consecutive months.
—— If you want to inquire about the "shopping mall installment" charges of China Merchants Bank credit cards in Suning and Gome in your city, please go to the special page of official website, select "city" and inquire, and there will be a rough list:
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