How to repay the installment bill of Guangfa Credit Card in advance

The steps to repay the installment bill of Guangfa Credit Card in advance:

1. After applying for installment payment, if you pay off the amount in advance, The credit limit will be restored immediately, but the handling fee for the number of installments you have will be deducted.

2. In other words, if you repay 1,000 yuan in 12 installments, you will pay off the 1,000 yuan in the second month, but the installment payment you applied for has already taken effect, so your 12-month procedure Fees must be paid, with the exception of interest-free and handling fees.

In fact, the interest-free installment repayment business of Guangfa Credit Card provides users with four installments, namely: 3 months, 6 months, 12 months, 18 months, and 24 months.

Guangfa Credit Card Installment Repayment Fee Payment Principles:

1. The installment fee is charged on a monthly basis;

2. If the installment is repaid in advance , the unpaid handling fee for the remaining installments will be charged once upon early repayment;

3. Guangfa Credit Card installment repayment can be repaid in advance. When repaying in advance, if you call Guangfa Bank Credit Card If the center makes records, you only need to pay one more installment fee and the subsequent fees will be waived.

First of all, there are many classifications of personal loans. Here we only classify them based on whether there is collateral, and they are divided into mortgage loans and unsecured credit loans. The following is a simple analysis and explanation of the two types of loans:

1. Unsecured credit loans, which we refer to as credit loans, are pure credit loans issued by banks to individual customers based solely on the nature of the unit, punch-in salary, social security provident fund, etc. This will also derive a consumption The concept of loan, of course, there is no direct difference between the two concepts.

2. Mortgage loans, here mainly refers to house mortgage loans, of course, there are also vehicle mortgage loans, etc., which will not be described in detail here. Mortgage loans are divided into two types: mortgage business loans and mortgage consumer loans. The amount of mortgage consumer loans generally does not exceed 1 million. Mortgage business loans refer to using personal houses to apply for loans for company operations. As the name suggests, you need to have a company in your own name or in the name of your immediate family members. Immediate family members include husband and wife, parents, children, brothers and sisters, etc. Mortgage loans can also be divided into first offset and second offset based on whether there is a mortgage. In other words, those with mortgages are called second offsets.

Is it true to apply for early repayment on the Guangfa Credit Card WeChat program?

It is not true. If the user wants to repay in advance, he needs to repay in advance. However, when setting the repayment path, you can support the use of credit cards for repayment. As long as the user has repaid the loan before, it can be repaid at any time. Supported banks include: Bank of Communications, Bank of China, China Construction Bank (Minsheng Bank, Bank of Shanghai), Guangfa Bank, Huaxia Bank, Postal Savings, China Construction Bank

How to repay Guangfa credit card in advance?

The user logs in and finds the wonderful APP, clicks Quick Repayment on the homepage, finds the credit card that needs to be repaid in advance, selects the credit card, then enters the repayment amount, confirms and completes the payment, and the early repayment of Guangfa Credit Card is completed. . In addition, users can also repay credit cards in advance through bank counters, online banking, WeChat official accounts, self-service equipment, etc.

Remind everyone that there will be no additional fees for early repayment of Guangfa Credit Card. You can repay according to the bill amount. In addition, cardholders do not need to bear any fees for full repayment on the credit card repayment date.

Extended information

Guangfa Credit Card Center provides cardholders with a variety of installment services, such as consumption installment, bill installment, merchant installment, cash installment, consumption extension, etc.

It is understood that the bank will comprehensively determine the installment interest rate of Guangfa Credit Card based on the cardholder’s qualifications, number of installments and interest collection methods. Taking the installment interest rate of Guangfa Credit Card bill as an example, the introduction is as follows:

< p>1. 6 installments, with an interest rate of 0.7% per period, and a total interest rate of 4.2%;

2. 12 installments, with an interest rate of 0.7% for each period, and a total interest rate of 8.4%;

3. 18 installments, with an interest rate of 0.72% per installment, and a total interest rate of 12.96%;

4. 24 installments, with an interest rate of 0.72% for each installment, and a total interest rate of 17.28%.

Can Guangfa Bank credit card "Niangniangxing" consumption installment be repaid in advance? Is the handling fee free?

When people use credit cards for consumer transactions or pay off credit card bills, they sometimes apply for installments to reduce stress. However, sometimes people want to pay off the loan in one lump sum after applying for installments. For example, someone who has applied for the "Nang Niang Xing" consumption installment of Guangfa Bank's credit card asked: Can the "Nang Niang Xing" consumption installment of Guangfa Bank's credit card be repaid in advance? Is the handling fee free?

Can Guangfa Bank credit card "Niangniangxing" consumption installment be repaid in advance?

You can repay in advance the consumption installment of Guangfa Bank Credit Card "Niangniangxing". If you want to repay the loan in advance:

1. You can directly call Guangfa Bank’s customer service hotline 95508. After dialing, you can go to the manual service and ask the customer service staff to cancel the installment service.

2. You can also cancel this installment payment service on China Guangfa Bank’s online banking or mobile banking.

Is the early repayment fee for Guangfa Bank credit card "Niangniangxing" consumption installment free?

If you apply for Guangfa Bank’s credit card “Bang Niang Xing” consumption installment. If you then repay the loan in advance, in addition to paying the remaining outstanding amount in one lump sum, the remaining handling fees you need to pay cannot be reduced or exempted. It needs to be paid to the bank in one lump sum together with the unpaid principal.

Of course, if your handling fee has been paid in one lump sum in the first installment, then you only need to pay off the unpaid principal after early repayment.

The above is the answer to "Can Guangfa Bank credit card "Niang Niang Xing" consumption installment be repaid in advance? Is the handling fee waived?" Guangfa Bank Credit Card "Bang Niang Xing" consumption installment can be repaid in advance, but the handling fee is unavoidable for early repayment. If you repay the handling fee in installments, the remaining unpaid handling fee will be lumped together with the unpaid principal. sex paid to the bank.

Can Guangfa Bank credit card bill installment be repaid in advance? How to charge handling fee?

Many people will choose to apply for bill installments when they are unable to pay off their credit card bills for a while. However, after some people have applied for bill installments, they may want to settle the bill in advance because they have sufficient funds, that is, in advance. Repayment. Each bank has different regulations on early repayment. So, can Guangfa Bank credit card bill installments be repaid in advance? How to charge handling fee? Let me answer it for you today.

Can Guangfa Bank credit card bill installment be repaid in advance?

Can Guangfa Bank credit card bill installments be repaid in advance? You only need to call Guangfa Bank’s customer service hotline 95508 or 400-830-8003 to apply for early repayment. Then just pay the remaining balance in one lump sum.

Of course, you can also apply for early repayment through Guangfa Bank’s online banking or mobile banking.

How to charge the handling fee for early installment repayment of Guangfa Bank credit card bill?

1. After your Guangfa Bank credit card bill is paid off in installments in advance, if you have previously adopted the one-time method of paying the handling fee, the handling fee you paid will not be refunded, but it will not be refunded. No additional handling fees are required.

2. If you have previously adopted the method of paying the handling fee in installments, then 1 the handling fee you have paid will not be refunded, and the handling fees that have not been paid for the remaining installments will not be reduced or reduced. The remaining outstanding principal must be paid in full in one lump sum.

The above is the answer to "Can Guangfa Bank credit card bill installment be repaid in advance? How to charge the handling fee?" Guangfa Bank credit card bill installments can be repaid in advance. If you do not repay in advance, your handling fee will not be refunded, and the handling fee that has not been paid cannot be reduced or reduced, and it must be paid in one go.

That’s it for the introduction of how to pay off Guangfa Credit Card in advance.