How to calculate the installment fee of CCB's credit card
There are the following situations: bill installment: the rate of bill installment is .75% for 3 installments, .7% for 6 installments, .65% for 1 installments, .6% for 12 installments, .6% for 18 installments and .62% for 24 installments. Monthly handling fee = total installment amount and monthly rate. Cash installment: the cash installment rate is .81% for 3 installments, .75% for 6 installments, .75% for 12 installments, .75% for 18 installments and .75% for 24 installments. Monthly handling fee = total installment amount and monthly rate. If the amount payable in the current period listed in the bill is fully returned before the due repayment date, the customer can enjoy interest-free treatment for the installment principal payable in the current month.
car installment: the car installment fee can be charged in one lump sum or installment, which will be reflected in the bill of the first month after the transaction. Cardholder handling fee = installment amount × cardholder handling fee rate. According to different dealers or models selected by customers, the handling fee rate will be different. After successful handling, the customer only needs to fully repay the current payable amount listed in the bill before the due repayment date, and the principal payable in installments in the current month can enjoy interest-free treatment. Staging of consumption: according to the number of application periods of customers, the handling fee rate of consumption staging is divided into three stages: .7%, .6% for six stages, .6% for ten stages, .6% for twelve stages, .6% for eighteen stages and .6% for twenty-four stages. Handling fee for each installment = the handling fee rate corresponding to the amount of installment.
1. during the interest-free repayment period of CCB: the interest-free repayment period refers to the interest-free period for consumer transactions enjoyed by cardholders who repay in full on schedule, and the interest-free period starts from the bank bookkeeping date to the repayment date, with a minimum of 2 days and a maximum of 5 days. Overdraft cash withdrawal transactions do not enjoy interest-free repayment period. If you don't repay in full before the due date, you won't enjoy the interest-free period. The Construction Bank will charge interest at the daily rate of .5 ‰ and compound interest on a monthly basis. The interest-bearing date is from the date of consumption to the date of repayment, and the interest-bearing principal is calculated based on the actual amount payable. If you fail to repay before the due repayment date or the repayment amount is less than the minimum repayment amount, CCB will charge interest as required, and will also charge a late fee of 5% of the unpaid minimum repayment amount.
2. calculation example: suppose your billing date is 17th of a certain month, and the due repayment date (for example, 3 days per month) is 17th of the next month (if the month is 31 days, it is 16th of the next month, and the month and month are calculated accordingly). If you spend 1, yuan on April 15th, and this consumption is credited to your account on the same day, the bank bookkeeping date is April 15th, because your billing date is April 17th, the due repayment date is May 7th, and the longest interest-free period for this consumption is 23 days. If you spend 1, yuan on April 18th, and this consumption is credited to your account on the same day, the bank bookkeeping date is April 18th. Since this consumption should be billed at sunrise on May 17th, there are 5 days from the due repayment date of June 6th, and the longest interest-free period for this consumption is 5 days.
how to calculate the installment fee of CCB's credit card
As the four major state-owned banks, CCB has a relatively low threshold for handling credit cards, convenient and fast application, and many friends who handle CCB's credit cards. Today, I will introduce the credit card installment of CCB: consumption installment, bill installment, cash installment, and how to calculate the handling fees of the three installment businesses.
installment fee for credit card consumption of CCB
Credit card holders of CCB can apply to the bank for repayment of the consumption amount in installments two days after consumption, and pay a certain handling fee to the bank. According to the number of installments, the fees are charged at different rates, as follows:
installment 3: rate installment 6: rate installment 12: rate installment 18: rate installment 24: rate handling fee per installment = handling fee rate corresponding to the installment amount.
installment fee for CCB's credit card bill
billing installment refers to the next day after the billing date to the last repayment day, and the cardholder applies to the bank for installment repayment of a certain amount of RMB consumption that has been billed. The minimum application amount is 3 yuan RMB, and the maximum application amount does not exceed 9% of the total amount of RMB consumption in the bill. According to the number of installments, different fees are charged at different rates, as follows:
installment 3: rate installment 6: rate installment 12: rate installment 18: rate installment 24: rate monthly fee = installment total fee rate, which will be recorded and charged on schedule on each billing day after installment. From April 1 to June 3, 217, you can enjoy a 2% discount on the handling fee when you handle the bill in installments.
CCB credit card cash installment fee
CCB credit card cash installment business and bank cash credit business, flexible use of credit cards to withdraw cash. According to the number of installments, different fees are charged at different rates, as follows:
installment 3: rate installment 6: rate installment 12: rate installment 18: rate installment 24: rate monthly fee = installment total fee rate, which will be recorded and charged on schedule on each billing day after installment.
CCB credit card installment fee
CCB credit card installment fee is generally determined according to the number of consumption installments. At present, there are three stages of consumption, six stages, ten stages, twelve stages, eighteen stages and twenty-four stages, and the fees corresponding to the specific stages are .75%, .7%, .65%, .6%, .6% and .62% respectively.
the calculation formula of credit card installment fee of CCB is as follows: monthly fee = installment total fee rate.
CCB's credit card has the business of merchants' installment payment, that is, you can directly ask the merchants for installment payment after buying something. However, this installment can only be carried out among the merchants that CCB cooperates with. Although no additional application is required, the scope of choice is relatively small. It is better to directly choose the bill installment payment after spending the bill by credit card.
installment of credit card bill of CCB refers to the period from the next day of the billing date to the final repayment date, when the cardholder applies to CCB for installment repayment of a certain amount of RMB consumption that has been billed (only once every 3 days). The minimum application amount is 5 yuan RMB, and the maximum application amount does not exceed 9% of the total amount of RMB consumption in the bill (excluding cash withdrawal, installment payment and other transactions stipulated by the Construction Bank).
There is no restriction on the types of consumption for the installment payment of CCB's credit cards. All credit card consumption can be applied for, and the number of installment payment can be 3, 6, 12, 18 and 24 at one time. After applying for the installment payment, the first principal and handling fee will be recorded in the next month's bill, which is equivalent to enjoying a longer interest-free period.
The ways for CCB to apply for bill installment payment by credit card are as follows:
(1) WeChat to apply for bill installment: pay attention to the public account of China Construction Bank, bind the credit card, and click Credit Card-Bill Installment-Click here to apply for installment.
(2) SMS application for bill installment: use the mobile phone number reserved in China Construction Bank to edit the SMS "CCZZ# last 4 digits # amount # installment number" and send it to 95533.
(3) Application for bill installment by mobile banking: Go to CCB Mobile Banking and click Credit Card-Bill Installment Application.
(4) Apply for bill installment online: For individual online banking users, please click Apply for bill installment, and select "Credit Card Inquiry-Select-Inquire about issued bill-Apply for bill installment". For registered users of credit card channel, please click Apply for bill installment and select "-Billing-RMB-Apply for bill installment".
(5) Telephone application for bill installment: Call the customer service telephone number of China Construction Bank at 4-82-588, and you can operate by yourself according to the language prompts or transfer to manual customer service for application.
how to calculate the handling fee for credit card installment of CCB?
the installment fee is charged on a monthly basis, and the fee rate varies with the number of installments applied.
CCB credit cards can be divided into three stages, six stages, ten stages, twelve stages, eighteen stages and twenty-four stages. The monthly benchmark handling fee rates are .75%, .7%, .65%, .6%, .6% and .62%.
handling fee for each installment = total installment principal × monthly handling fee rate, which will be recorded and collected on schedule on each billing day after installment.
Take the installment of 1, yuan as an example, the handling fee for each installment is divided into three installments, namely 75 yuan, 225 yuan for * * *, 7 yuan for six installments, 42 yuan for * * *, and so on, and 62 yuan for 24 installments, 1488 yuan for * * *.
China Construction Bank, a national vice-ministerial unit, is a large state-owned bank managed by the central government. It was established on October 1, 1954, and its head office is located at No.25, Beijing Financial Street.
The main business areas of China Construction Bank include corporate banking, personal banking and treasury business, with branches and subsidiaries in more than 2 countries and regions, and subsidiaries in many industries such as funds, leasing, trust, life insurance and property insurance.
On February 9, 222, Forbes released the list of the top 5 global blockchain in 222, and China Construction Bank was among them.
Company Profile
China Construction Bank Co., Ltd. is a leading large commercial bank in China, headquartered in Beijing, and its predecessor, China Construction Bank, was established in October 1954. The bank was listed on the Hong Kong Stock Exchange in October 25 (stock code 939) and on the Shanghai Stock Exchange in September 27 (stock code 61939). The bank's market value at the end of 219 was about 217.686 billion US dollars, ranking fifth among listed banks in the world. In terms of Tier 1 capital, the Group ranks second among global banks.
by 22, the bank has provided comprehensive financial services such as personal banking, corporate banking, investment and wealth management, with 14,912 branches and 347,156 employees, serving hundreds of millions of individuals and corporate customers. It has subsidiaries in many industries such as funds, leasing, trust, insurance, futures, pension, investment banking, etc. The overseas institutions cover 3 countries and regions, and there are more than 2 overseas institutions at all levels.
Branches
China Construction Bank has branches in China, Hong Kong, Singapore, Germany (Frankfurt), South Africa (Johannesburg), Japan (Tokyo, Osaka), South Korea (Seoul), the United States (new york), Vietnam (Ho Chi Minh City), Australia (Sydney, Melbourne), Luxembourg and China Taiwan Province (Taipei).
how much is the installment fee for the credit card of China Construction Bank?
it's great to spend money overdrawn by credit cards, but when it comes to repayment date, there are always people who will pull a long face and shout to chop their hands. If you can't pay off the credit card bill of China Construction Bank in full, the bill installment function can save you. How much is the installment fee for the credit card of China Construction Bank? I'll work it out for you.
The bill installment of China Construction Bank is generally a business that cardholders can choose to ease the repayment pressure after the bill is issued to the last repayment day.
the minimum application amount is 3 yuan, and the maximum amount cannot exceed 9% of the billed amount;
in other words, the total amount of your bill is 2, yuan, so the bill installment you can apply for cannot exceed 1,8 yuan.
Credit card holders of China Construction Bank can apply for installment in various ways: mobile banking, WeChat, SMS, online banking, smart teller machines, self-service devices (ATMs, deposit and withdrawal machines, inquiry machines), bank outlets, customer service telephones, etc.
So, what is the installment fee for the credit card of China Construction Bank?
according to the number of installments, the handling fee rate is different:
handling fee for each installment (month) of 3 installments and 18 installments = handling fee rate of total installment amount, subject to the actual amount recorded in each installment.
suppose that the total bill of cardholder Xiao Bai in the current period is 2, yuan, but he can't fully repay it. He chooses to pay the bill in installments, applies for the maximum credit card installment amount of 18, yuan, and decides to pay it off in six months.
Xiaobai's monthly repayment situation is as follows:
Repayment amount by installment on the repayment date of the current month: total installment repayment amount-total bill installment amount, that is, 2,-18, yuan;
in the next 6 months, the total amount payable on the billing date of each month: principal handling fee: 18,/618, yuan;
the total handling fee is 756 yuan.
the above is the charging standard for credit card installment fee of China construction bank. the larger the installment amount, the higher the fee. once the installment application is successful, the installment amount and the number of installments cannot be changed. in addition, prepayment cannot save the fee.
This concludes the introduction of credit card installment fee of CCB and installment rate of CCB. Did you find the information you need?