installment is mainly to collect handling fees, and the handling fees of each bank are different, so we need to know the handling fee rate to calculate it. For example, if it is divided into 12 installments, the rate is .6% for one installment:

the principal of each installment = 3,/12 = 2,5 yuan.

fee for each installment = 3, * .6% = 18 yuan,

total fee for the 12th installment = 18 * 12 = 2,16 yuan,

repayment amount for each installment = 2,5+18 = 2,68 yuan

fee = installment principal * installment fee rate.

after the cardholder successfully handles a single installment, the corresponding credit line of the credit card will be occupied, and the occupied credit line will be restored with each installment repayment until the last installment or all installment balances are paid off in advance.

the cardholder has successfully handled a single installment amount, and cannot apply for installment again and choose the lowest repayment method for repayment. If the cardholder fails to fully repay the remaining bill amount in the current period on time after successful handling, or the amount to be amortized in any period during the installment period is not fully repaid, it will be deemed as not fully repaid, and interest or late payment fees will be incurred.

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1. Is it controlled by the wind that credit cards are not divided into installments?

It is indeed possible that the credit card will not be divided into installments, but it is not necessarily because the customer has failed to meet the installment requirements. For example,

1. The customer has not applied for installment within the specified time. For example, if the customer handles the installment of the bill, it needs to apply from the time after the account is issued to the repayment date, and when the repayment date arrives, it is generally impossible to apply again; If it is consumption installment, it usually needs to be applied after the consumption is entered into the account and before the billing date, and the application after the bill sunrise is the bill installment.

2. The installment amount applied for does not meet the requirements of the issuing bank: the bank has requirements for the installment amount of credit cards, and many regulations stipulate that the minimum installment amount should not be less than 5 yuan, so if the customer's consumption is less than 5 yuan, then this consumption cannot be applied for installment. Also, for example, the Construction Bank stipulates that the maximum amount of bill installment should not exceed 9% of the total amount of consumption in the issued bill, so customers can't handle it if they want to installment all the bill amounts of the card.

Second, the best solution to the credit card being controlled by the wind:

The user actively contacts the issuing bank to inquire about the reasons for the credit card being controlled by the wind; Then solve the problem under the guidance of customer service; When the problem is solved, the user can apply to restore the normal status of the card; After receiving the application, the issuing bank will re-examine the card, and when the card meets the conditions for releasing the risk control, the card will be released from the risk control status. Therefore, after the credit card is controlled by the wind, users should take the initiative to contact the bank instead of waiting for the bank to automatically lift the risk control.