Credit card rates

Credit card rates mainly include the following aspects:

1. ATM cash withdrawal rates: 1%-3% of cash withdrawals % charge.

2. Cash withdrawal day interest rate: All banks charge a unified standard. Starting from the day of cash withdrawal, the cash withdrawal interest is charged at 0.05% per day.

3. Overdue rate: Overdue interest will be charged for overdue credit cards. The overdue rate is 0.05%/day, which is charged according to the amount of consumption.

4. Installment rates: The installment rates of each bank are different. Taking Industrial and Commercial Bank of China as an example, the 3rd installment rate is 1.65%, the 6th installment rate is 3.6%, the 9th installment rate is 5.4%, The rate for 12 periods is 7.2%, the rate for 18 periods is 11.7%, and the fee for 24 periods is 15.6%.

(1) According to different card issuers, they can be divided into bank cards and non-bank cards

(1) Bank cards. This is a credit card issued by a bank. Cardholders can shop at the card-issuing bank's special merchants, and can also withdraw cash at any time at any branch of the card-issuing bank or at places with ATMs.

(2) Non-bank card. Such cards can be specifically divided into retail credit cards and travel and entertainment cards. Retail credit cards are credit cards issued by commercial institutions, such as department stores, petroleum companies, etc., which are specially used for shopping in designated stores or refueling at gasoline stations, etc., and are settled regularly. Travel and entertainment cards are credit cards issued by the service industry, such as airlines, travel companies, etc., used for purchasing tickets, meals, accommodation, entertainment, etc.

(2) According to the different objects of card issuance, it can be divided into corporate cards and personal cards

(1) Corporate cards. Company cards are issued to various industrial and commercial enterprises, scientific research and education institutions, national party and government agencies, military units, groups and other legal entities.

(2) Personal card. Personal cards are issued to urban and rural residents, including workers, cadres, teachers, scientific and technological workers, self-employed households and other adult urban and rural residents with stable sources of income. A personal card is applied for in the name of an individual and he/she bears all responsibilities for using the card.

(3) According to the credit status, status and other credit conditions of the cardholder, it can be divided into ordinary cards and gold cards

(1) Ordinary cards. Ordinary cards are issued to cardholders with average financial strength, credibility and status, and their various requirements are not high.

(2)Gold card. A gold card is a high-end credit card that pays high membership fees and enjoys special benefits. Cards are issued to those with higher credit standing, stronger repayment ability and credit, or those with a certain social status. The authorization limit of the gold card starts from a higher level, and the additional service items and scope are much wider, so the requirements for relevant service fees and security deposits are also relatively high.

(4) According to different repayment methods, credit cards can be divided into credit cards and debit cards

(1) Credit cards. It is a card-issuing bank that provides bank credit. When making a payment, it is first used as an overdraft, and then repaid or paid in installments. Most of these cards are used internationally. That is to say, the way that cardholders are allowed to pay off their credit card accounts without deposits is "spend first, deposit later". Most of the cards currently used internationally are of this type.

Credit card (2) Debit card. It is a credit card issued by a bank that allows you to deposit money first and spend later. When applying for a credit card, cardholders need to deposit a certain amount of money in the card-issuing bank for backup. Cardholders need to use the deposit balance as a basis when using the card. Overdrafts are generally not allowed.

All major banks’ credit card installment fees are known to the eight major banks

As the new year approaches, everyone’s consumption needs are increasing, especially for large purchases. If you hold a credit card for consumption, If you have difficulty repaying the loan in full, you may wish to use credit card installments to relieve your stress for a period of time. A complete list of credit card installment fees of major banks, you need to make a clear calculation.

1. Industrial and Commercial Bank of China Credit Card Installment

Number of installments and corresponding handling fees: The starting amount of credit card installment for 3 installments is 600 yuan, and any amount less than 600 yuan will not be accepted. To be divided into installments.

2. Agricultural Bank of China Credit Card Installment

Cardholders can choose the number of installments: 3, 6, 9, 12 and 24,

The standard fee rate is that the starting amount of credit card installment is 500 yuan, and installments will not be granted if the amount is less than 500 yuan.

3. Construction Bank Credit Card Installment

The number of installments and the corresponding handling fee for each installment: The starting amount of the credit card installment for 3 installments is 300 yuan, and the amount is less than 300 yuan. No installment will be granted.

4. China Merchants Bank Credit Card Installment

Provides multiple options of 2, 3, 6, 10, 12, 18, 24 and 36 issues. The single-issue handling rate is 0%. The specific installment rate is subject to the real-time evaluation results of the bank's credit card center.

The starting amount of credit card installment is 300 yuan, and installments less than 300 yuan will not be allowed.

5. Guangfa Bank Credit Card Installment

The handling fee rate corresponding to different installment numbers: 0.7% for 6 and 12 installments; 0.72% for 18 and 24 installments.

Everbright Bank Credit Card Installment

Basic rate for one-time payment: 3 installments and equal installments: 3 installments and 12 installments in the actual implementation process , the bank will have a certain rate fluctuation based on the cardholder's card usage and policies, but the fluctuation range will not exceed 40%.

7. Minsheng Bank Credit Card Installment

The handling fee rate corresponding to different installments: 0.82% for 3 installments; 0.7% for 6 installments; 0.67 for 9th, 12th and 18th installments %; 0.7% in the 24th period.

CITIC Bank Credit Card Installment

The handling fee for the first installment is 1.5%; the handling fee for the third and sixth installments is 0.8%; the handling fee for the ninth installment is 0.76%; the handling fee for the 12th installment is 0.73%; 18 The handling fee for each period, 24th period and 36th period is 0.75%.

Credit card installment fee = total installment amount, rate per installment, number of installments

As can be seen from the above, the credit card installment fees of different banks are different, and the number of installments provided Each one is different, but no matter which bank credit card it is, long-term installments of large amounts are not recommended. After all, the handling fee is an additional financial pressure.

How much is the credit card cash withdrawal fee? A complete list of major banks' charging standards

If you don't have enough money on hand, credit card cash withdrawals can help you solve the problem, but there is an additional fee that the cardholder needs to bear, because credit card cash withdrawals do not enjoy interest-free overdrafts. Equity, banks need to charge handling fees and interest. So, how much is the credit card cash withdrawal fee? Different banks have different charging standards.

1. Bank of Communications credit card cash withdrawal handling fee

1) Domestic cash withdrawal: 1% of the transaction amount, with a minimum of 10 yuan/transaction.

2) Overseas cash withdrawal: For cash withdrawal through UnionPay channels, 1% of the transaction amount will be charged, plus 12 yuan/transaction, with a minimum of 15 yuan/transaction; through VISA/MASTER channels, 1% of the transaction amount will be charged %, minimum USD 5 per transaction.

2. Guangfa Bank credit card cash withdrawal handling fee

1) Domestic cash withdrawal: charged according to the amount of each cash withdrawal, with a minimum of 10 yuan/transaction; cash withdrawal through ATM machine 4 yuan/transaction, Free from January 1, 2017 to December 31, 2018.

2) Overseas cash withdrawal: 3% of the cash withdrawal amount is charged, with a minimum of 15 yuan per transaction.

3. Construction Bank credit card cash withdrawal fees

1) Withdrawal through our bank or UnionPay network: 1% of the cash withdrawal amount for each transaction, with a minimum of RMB 2 and a maximum of RMB 100 .

2) Withdrawal through non-UnionPay network: 3% of the cash withdrawal amount is charged for each transaction, with a minimum of 3 US dollars or 3 euros.

4. CITIC Bank credit card cash withdrawal handling fee

1) Domestic cash withdrawal: calculated as 2% of the cash withdrawal amount, with a minimum standard of 20 yuan per transaction.

2) Overseas cash withdrawal: calculated as 3% of the cash withdrawal amount, with a minimum standard of 3 US dollars, 30 Hong Kong dollars or 3 euros; you can enjoy domestic cash withdrawal discounts through UnionPay channels.

5. Pudong Development Bank credit card cash withdrawal handling fee

1) Domestic cash withdrawal: the handling fee is 2% of the amount of each cash withdrawal, with a minimum charge of RMB 20 per transaction.

2) Overseas cash withdrawal: The handling fee is 2% of the amount of each cash withdrawal, and the minimum charge is 20 yuan/2 US dollars/2 euros/2 pounds per transaction.

6. Cash withdrawal fees for China Merchants Bank credit cards

1) Domestic cash withdrawals: The handling fee is 1% of the amount of each cash withdrawal, with a minimum charge of 10 yuan per transaction.

The above are the charging standards for credit card cash withdrawal fees of major banks. Although different banks have different charging standards, cardholders can budget it. What needs to be more vigilant is the cash withdrawal interest, which is 0.05% per day. The interest rate may not seem high, but if you don’t repay it for a long time, it’s still a big sum of money. Credit card application

This concludes the introduction to the credit card rates of major banks and the credit card rate tables of major banks. Have you found the information you need?