1. What is the maximum repayment period of a credit card?

Each bank has different regulations on installment repayment, and the maximum number of installments should be divided according to the bank's regulations. For example, at present, Agricultural Bank of China provides three months, six months, nine months, 12 months, and 24 months, and the number of installments is freely selected by the cardholder, providing three months, six months, nine months, 12 months, and 24 months. Provide 3, 6, 9, 12 cash installments.

Therefore, the specific number of stages and the corresponding fee rate standard should be based on the cardholder's card issuing behavior. If you want to choose installment repayment, you'd better call the credit card customer service to find out before choosing.

2. What is the maximum credit card I can borrow?

How much a credit card can borrow mainly depends on its amount. Different cards have different amounts, so the amount that can be withdrawn will be different. For example, a credit card with a credit limit of 200,000 can be swiped to 200,000 or only to 200,000. The bank will not limit whether it can be swiped several times or once.

It should be noted that many bank credit cards can be overdrawn, but the excess will be charged, which will also increase the repayment burden, so I still suggest that cardholders should not exceed the limit when swiping their cards.

3. How many credit cards can I handle at most?

Most banks have no restrictions. A person can apply for more than one credit card, and there is no definite limit on the number. However, some banks have issued relevant announcements about the number of credit cards, and the control of the number of credit cards is also constantly upgrading.

For example, the announcement issued by the Postal Savings Bank has adjusted the number of credit cards held by the bank since February 16, 2022: the maximum number of valid credit cards held by the same customer in the bank is five. If the maximum number has been reached, the bank will not be able to successfully apply for a new card. Except the Postal Savings Bank, the total number of valid cards of the main card and the sub-card held by the same customer of CITIC Bank is limited to 65,438+00. If the maximum number is reached, card replacement, card upgrade and new credit card application will be rejected during the year.

To sum up, the above are all about the maximum number of repayment periods of credit cards. Although the number of credit cards in different banks is different, the maximum and minimum number of credit cards are similar, ranging from 3 to 24, and very few of them can be divided into 36 periods.

Special circumstances can click the consultation button on the right. The website provides professional lawyers to answer questions, help you solve the repayment problem and let you return to your normal life.