When choosing CCB credit card installment payment, if the cardholder can guarantee the repayment on schedule, there is no need to pay the interest of CCB credit card installment payment, but the bank will charge a certain handling fee (possibly 0) according to the regulations.
If Mr. X spends 1.200 yuan in CCB Longka credit card installment merchants, the handling fee rate is 0. 12. 1%. When Mr. X pays, he signals the cashier to pay in installments. If he chooses six installments, he doesn't need to pay any fees except the amount of the goods, and only needs to repay 200 yuan every month. If Mr. X chooses 12 installment, he will pay back 100 yuan every month, but in the first month, he will pay back1200×1%=12 yuan.
The installment payment of CCB credit card refers to the business that the cardholder divides the transaction amount into several parts within his own quota, repays it monthly within the agreed time limit, and pays a certain handling fee (or zero handling fee) according to bank regulations.
It mainly includes shopping mall staging, mail order staging, bill staging and special consumption staging. Generally, the installment transaction of CCB credit card mainly refers to the installment of shopping malls, but the installment fee rate of shopping malls is low, but the related consumption needs to be completed at the designated installment merchants.
The credit card installment business of CCB takes one billing cycle as one period, and the number of installments is a multiple of 3, with a minimum of 3 installments and a maximum of 36 installments. Except in special circumstances, the amount of phased start-up of shopping malls is generally not less than 1000 yuan.
I like cards.
CCB and BOC credit card installment interest rate handling fee
The maximum fee standard for installment consumption of China Bank Tesco is: 0.65% for the third installment, 0.60% for the sixth installment, 0.60% for the ninth installment, 0.60% for 12 installment, 0.65% for 18 installment and 0.65% for the 24th installment, for example, 1000 yuan. Because each region will also carry out preferential activities of handling fee rate according to market conditions, the specific handling fee will be subject to the display at the time of business handling.
The above contents are for your reference. Please refer to the actual business regulations.
If you have any questions, please contact online customer service of Bank of China.
You are cordially invited to download and use China Bank Mobile Banking APP or China Bank Cross-border GOAPP to handle related business.
How much is the installment interest of China Construction Bank's credit card?
Staging is mainly to collect fees, and the fees of each bank are different, so you need to know the fee rate before calculating. For example, if it is divided into 12 stages, the rate of one stage is 0.6%:
Installment principal =30000/ 12=2500 yuan.
Handling fee for each period = 300,000.6% =180 yuan,
12 total handling fee =18012 = 2160 yuan,
The repayment amount of each installment =2500+ 180=2680 yuan.
Handling fee = installment interest rate of installment principal.
After the cardholder successfully handles a single installment, the credit line corresponding to the credit card will be occupied, and the occupied credit line will be gradually restored with the repayment of each installment until the balance of the last installment or all installments is paid off in advance.
The cardholder has successfully processed a single installment amount, so he can't apply for installment again and choose the minimum repayment method to repay. If the cardholder fails to fully repay the remaining bill amount of the current period on time after successful handling, or the amortization amount of any period during the installment period is not fully repaid, it will be deemed as not fully repaid, and interest or late fees will be incurred.
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First, is the credit card not phased by the wind?
Credit cards do have the possibility of not staging, but it is not necessarily because customers do not meet the staging requirements, such as:
1. The customer fails to handle the installment within the specified time: if the customer handles the installment of the bill, it must be done between the opening of the account and the repayment date. On the repayment date, there is generally no way to apply again; If it is a consumption installment, it is generally necessary to apply after the consumption is recorded and before the bill date, and the application after the sunrise of the bill is the bill installment.
2. The installment amount applied for does not meet the requirements of the issuing bank: banks have requirements on the installment amount of credit cards, and many regulations stipulate that the minimum installment amount cannot be lower than that of 500 yuan, so if the customer's consumption is lower than that of 500 yuan, then the customer cannot apply for installment. Also, for example, the Construction Bank stipulates that the maximum amount of bills in installments shall not exceed 90% of the total consumption in the issued bills, and the customer wants to installment all the bills of the card and cannot handle them.
Second, the best solution for credit card to be controlled by wind:
The user actively contacts the issuing bank and asks why the credit card is controlled by the wind; Then solve the problem under the guidance of customer service; After the problem is solved, the user can apply to restore the normal state of the card; After receiving the application, the issuing bank will re-examine the card, and when the card meets the conditions for releasing risk control, the card will be released from risk control status. Therefore, after credit card risk control, users should take the initiative to contact the bank instead of waiting for the bank to automatically cancel the risk control.
How to calculate the installment repayment amount and interest of the credit card of China Construction Bank?
At present, the installment rate of CCB credit card is:
The rate of the third installment is 0.7%, and the rate of the sixth installment, 10 installment, 12 installment, 18 installment and 24 installment is 0.6%.
The above is the benchmark reference price, and CCB has the right to fluctuate according to market conditions and customer qualifications, which shall be subject to the notice given by the customer when applying.
The installment amount is principal interest rate+principal/installment number.
Reference description of piecewise calculation
Mr. Wang's bill date is 17. He bought a household appliance in 600 yuan on June 8th, 2006. On the third day after swiping the card (June 10, 1 1), I called CCB to apply for installment. The series is 12.
The installment fee rate of 12 chosen by Mr. Wang is 0.60%, so the monthly repayment amount is 3600 × 0.60%+3600 ÷12 = 21.6+300 = 321.6 yuan, which is Mr. Wang's monthly repayment.
Extended data:
Credit card installment interest-free ≠ free of charge.
Credit card installment repayment is interest-free, which is the usual publicity of banks. However, once you apply for credit card installment repayment, you will find that there is a handling fee. Warm reminder: credit card installment repayment is interest-free and fee-free. If converted into actual annual interest rate, the fee is still very high.
The actual annual interest rate of credit card installment is not a simple monthly interest rate 12, which has time value. The following is the method to calculate the actual annual interest rate of credit card installment:
Take the Bank of China as an example. Your bill is 12000 yuan, which will be paid in 12 installments. If the monthly interest rate is 0.6%, the monthly payment is10000+120000.6% =1072 yuan.
In excel, enter 1 2000 yuan in line13,-1072 yuan in line 2- 13, and then enter the formula = IRR (a1:a/4). The actual calculation is 13%.
China Construction Bank-Credit Card Channel-Introduction and Process of Consumption Staging Business
He Xun. Com- analysis of credit card installment: teach you how high the actual interest rate is.
How to calculate the credit card installment interest of China Construction Bank?
CCB's credit card does not charge installment interest, but only charges a handling fee.
The credit card bill of CCB is generally divided into three stages: 3, 6, 9, 12, 18 and 24. According to different stages, the charging rate is different, and the average charging rate is generally 0.6% to 0.8%. For example, if the installment amount is 1.200 yuan and the repayment is completed in 12 installments, and the handling fee rate is 0.6% per month, then the actual monthly repayment amount is 1.200 yuan 0.6% = 1.007.2 yuan.
The number of periods is divided into three periods, six periods, 12 period, 18 period and 24 periods.
The monthly handling fee rate is 0.75%0.70%0.60%0.60%0.62%.
Monthly handling fee = the handling fee rate of the total installment amount. After the installment, each billing date will be recorded and collected on schedule, otherwise it will be counted as a bad record in the credit information system even if it is overdue.
Extended data
If the user can repay within the specified repayment date after spending by credit card, there is no need to pay interest, but if the repayment operation is not carried out on the specified date, the interest will be calculated at the daily interest rate of 0.05% from the date of consumption, and CCB will regard the credit card user as overdue, which will affect personal credit.
If the repayment cannot be made in full within the specified time limit, CCB credit card users can apply for installment repayment, which does not require interest, but will charge a certain handling fee according to the number of installments. If the single consumption exceeds 1000 yuan, you can apply for three periods, namely, three periods, six periods and 12 periods, and the corresponding handling fees are 0.7%0.6%0.6% respectively.
The billing dates provided by China Construction Bank are 13, which are 2, 5, 7, 10, 12, 15, 17, 19, 22 and 23 respectively.
The bill of China Construction Bank can be revised. Everyone has a chance to revise the bill once a year. For example, the bill statement of a credit card user is 25th, and the repayment date is15th every month. However, since the monthly pay date of a credit card user is 20th of each month, the user can apply to China Construction Bank to change the bill statement to 2nd of each month, so the repayment date is 22nd of each month.
CCB credit card installment payment agreement and agreed terms
How much is the installment interest of CCB credit card?
Installment interest of CCB credit card: the specific number of installments is 3.6. 12.24. The monthly handling fee rate for the third phase is 0.0.7% (7%), and the formalities for 12 phase are 0.62% (62%).
Types include: dragon card, prestigious school card, dragon card, business card, dragon car card and so on. The types of credit cards are: Puka Gold Card and Platinum Card. 202 1 installment interest of CCB credit card, whether it is cash withdrawal or installment payment, the interest is calculated according to the circulating credit interest.
The interest calculation formula for installment repayment of CCB's credit card is: (minimum repayment amount for current consumption) 005 (the repayment date is subject to the actual repayment date). If you still pay in full before or on the repayment date, you can enjoy a 50-day interest-free period. If you pay the minimum repayment amount, there is no interest-free repayment period, and you have to pay interest. Interest is calculated from the day when the credit card is overdrawn. The daily interest rate is 0.5 ‰, and compound interest is charged monthly until you pay off the loan.
The extended data are as follows:
The application conditions and processing procedures of CCB's credit card installment purchase are as follows:
The installment payment service for car purchase provided by CCB Longka Credit Card means that the cardholder agrees to pay the down payment (the down payment is the net car price minus the approved amount) and applies to CCB for using its Longka Credit Card (excluding the remaining cards such as business card, student card, supplementary card and security card). After CCB approves the designated dealer to buy the family car, the actual installment amount will be divided into several installments, and the cardholder will repay the car monthly within the agreed time limit and pay a certain handling fee. Quality customers of CCB can handle other customers only with their ID cards. Other customers provide proof of work, income or assets according to their qualifications. Under special circumstances, CCB has the right to require customers to handle vehicle mortgage and other guarantee procedures according to business needs.
The introduction of credit card installment interest rate of CCB ends here.