What should I do if I spend a lot with Huaxia credit card and can't repay it in full? In this case, you can handle the bill installment to reduce the repayment pressure. However, many cardholders don't know much about the installment of Huaxia Credit Card, such as how much the installment fee is, how many installments can be divided, how to handle the installment, and so on. Let's analyze these problems for everyone.

Question 1: How to handle the installment of Huaxia Bank's credit card bill?

Answer:

To handle the installment of Huaxia credit card bill, you must first be the cardholder of Huaxia credit card. Secondly, your bill this month must be greater than or equal to 500 yuan.

To meet these conditions, you can apply for bill installment in the following three ways:

1, customer service hotline: call 400-6666-999 to 3; The application must be made before the current bill repayment date of 2 1: 00.

2. Credit card website: log on to Huaxia Credit Card website-My Credit Card-installment service; 16 the natural application must be made after the bill date.

3. Mobile APP channel: Huaxia Bank Mobile Banking can be installed on the mobile phone, and the phased operation function can be realized; 16 the natural application must be made after the bill date.

Question 2: What is the installment fee for Huaxia Bank's credit card?

Answer:

Huaxia Bank can provide cardholders with four installment numbers: 3, 6, 9 and 12, and the corresponding installment rates are 2.65%, 4.65%, 6.45% and 8.85% respectively.

Some friends may be surprised to see this speed. The interest rates of other banks are all tens of thousands. Why is Huaxia Bank so expensive?

What I want to tell you here is that the installment fee for credit card bills is charged at one time, not in installments.

Therefore, the handling fee is equal to the total installment amount multiplied by the installment fee rate corresponding to the number of installments, which will be deducted in the month when the installment takes effect and will be collected in one lump sum in the next installment.

Question 3: What are the precautions for the installment of Huaxia credit card bills?

Answer:

1. Cannot cancel after the installment is successful: Huaxia Bank cannot cancel the credit card installment once the application is successful. Even if you are able to repay all the debts now, the previous handling fee must be paid in full.

2. Prepayment without refunding the handling fee: You need to apply for installment repayment. After the application is approved, you must pay off the unpaid installment and the remaining unpaid handling fee in one lump sum, and the received installment handling fee will not be refunded.