The principal of each installment = 30,000/12 = 2,500 yuan.

Handling fee for each period=30000*0.6=180 yuan,

Total *** handling fee for 12 periods=180*12=2160 yuan,

Every The amount to be repaid in installments = 2500 180 = 2680 yuan

Handling fee = installment principal * each installment handling rate.

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

For a single installment amount that has been successfully processed, the cardholder cannot apply for another installment and choose the lowest repayment method for repayment. If the cardholder fails to repay the remaining balance of the current period's bill on time after the application is successful, or the amount that should be amortized in any installment during the installment period is not fully repaid, it will be regarded as incomplete repayment, and interest or late payment fees will accrue.

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1. Is the credit card not offering installment payment a risk control?

There is indeed the possibility of being risk controlled by the bank if the credit card does not provide installment payment, but it is not necessarily the case. It may just be because the customer does not meet the installment requirements, such as:

1. The customer is not present Apply for installment within the specified time: For example, if a customer applies for bill installment, he or she needs to apply after the payment is made and before the repayment date. When the repayment date is reached, there is generally no way to apply again; If it is consumption installment, you usually need to apply for it after the consumption is recorded and before the billing date. The billing installment is applied after the billing date.

2. The applied installment amount does not meet the requirements of the card-issuing bank: Banks have requirements for the installment amount of credit cards. Many stipulate that the minimum installment amount cannot be less than 500 yuan, so if the customer’s consumption is less than If it is 500 yuan, then this consumption cannot be applied for installment. Also, China Construction Bank stipulates that the maximum bill installment amount shall not exceed 90% of the total consumption amount in the issued bill, so if the customer wants to installment the entire card bill amount, it cannot be processed.

2. The best solution to credit card risk control:

Users should proactively contact the card-issuing bank to inquire about the reasons for credit card risk control; then solve the problem under the guidance of customer service; After the problem is resolved, the user can apply to restore the card to its normal status; after receiving the application, the card-issuing bank will re-examine the card. When the card meets the conditions for releasing the risk control, the card will be released from the risk control status. Therefore, after a credit card is subject to risk control, users should proactively contact the bank instead of waiting for the bank to automatically lift the risk control.