1. To pay the installment payment in one lump sum, you must call the customer service hotline in advance to apply, and the customer service personnel can only pay the installment payment in one lump sum after merging the installment items.

2. Without application, the money deposited in the credit card at one time will not be used to repay the installment payment. After the cardholder applies for installment payment, the banking system will transfer money every month as required. During this period, the one-time refund will be recognized as cash deposit, and this part of the funds will be given priority in future credit card consumption.

3. The installment service fee is equal to the total installment amount multiplied by the installment fee rate corresponding to the number of installments, which will be deducted in the month when the installment takes effect, and will be charged once in the next installment. The prepayment fee will not be refunded or reduced.

Everbright credit card installment service fee is shown in the following figure.

In the actual implementation of the above rates, China Everbright Bank will fluctuate up and down on the basis of this rate according to the card usage and the bank's policies, and the fluctuation range will not exceed.

40%。

For example, Mr. Zhang successfully handled an account installment business, with a total installment amount of/kloc-0.08 million yuan and three installments.

Period. Then, under the condition that the rate does not fluctuate, the handling fee payable by Mr. Zhang is 47.7 yuan (1800 yuan *2.65%=47.7 yuan), which will be deducted in the current period when the installment takes effect, and will be collected in one lump sum in the next period. Mr. Zhang's installment principal will be repaid in three installments (months), and only 600 yuan (1, 800 yuan /3=600 yuan) will be repaid in each installment (month). If Mr. Zhang pays off 1 and the principal 800 yuan in two installments (months), the handling fee will not be refunded or reduced.