There is such a description in the provisions of Shanghai Pudong Development Bank on staging:
"Cardholders can terminate the successful installment payment in advance through the 24-hour customer service hotline of the credit card center, but they need to pay the remaining principal and handling fee in one lump sum; The early termination fee and the unpaid principal amount will be included in the minimum repayment amount of the next bill in a fixed proportion. The handling fee paid by the cardholder will not be refunded. "
Shanghai Pudong Development Bank (hereinafter referred to as Shanghai Pudong Development Bank or Shanghai Pudong Development Bank) is a national joint-stock commercial bank established with the approval of the People's Bank of China on August 28th, 1992, opened on1October 9th, and listed on the Shanghai Stock Exchange (stock exchange code: 600000). Its head office is located in Shanghai.
At present, the registered capital is 29.352 billion yuan. With its good performance and good reputation, Shanghai Pudong Development Bank has become a listed company that has attracted much attention and respect in the China stock market.
Credit card loan means that the bank gives a certain amount according to the credit status of the credit card holder, and the cardholder can use the credit card for credit card consumption. Credit card loan repayment methods are divided into one-time repayment and installment repayment.
How to use credit card loans:
According to the credit status of credit card holders, banks will increase the installment quota of their credit cards to meet the needs of cardholders to buy designated brand cars during the disposal period of designated dealers. Cardholders can repay the car purchase money in monthly installments only by bearing a certain handling fee, which fully reduces the repayment pressure.
Handling fee: You don't need to pay bank loan interest to buy a car by installment with a credit card, but you have to bear a one-time handling fee. Handling fee = installment amount × cardholder's handling fee rate (the handling fee is included in the first month's bill after installment purchase), and the handling fee rate of each bank is different.
Loan Term: Generally, the longest term of car purchase by installment is 24 months.
Down payment: If you buy a car by credit card, you generally need to pay a down payment of not less than 30% of the car price.
Limit: The bank has regulations on the credit card installment loan amount. For example, CCB stipulates that the installment amount range of car purchase is 200,000-200,000.
The product service system of Shanghai Pudong Development Bank Credit Card Center includes:
A credit card product that can be customized by users-Pufa Dream Card; Cooperate with popular institutions and brands at home and abroad, such as the Forbidden City, Barcelona Football Club and Pig Xiao Pi, and cooperate with aviation, hotels, department stores, communications, Internet platforms and other industries to launch joint theme credit card products;
Jointly issue high-end card products with rich rights and interests with domestic and foreign card organizations such as VISA, American Express and MasterCard International.