How many installments can Guangfa Credit Card be divided into

Guangfa Credit Card can be divided into 24 installments at most. Credit card installments charge no interest, but only commission. The proportion standard of commission for installment payment is calculated according to the application principal.

Calculation method of specific handling fee standard for installment payment:

1. Choose 6 and 12 installments, and the handling fee for installment payment is .65% of the applied principal;

2. Choose 18 installments, and the installment fee is .7% of the applied principal;

3. Choose 24 installments, and the installment fee is .72% of the applied principal;

4. If the installment payment is repaid in advance, the unpaid handling fee for the remaining installments will be collected in one lump sum at the time of prepayment.

Note:

1. The time to apply for bill installment must be from the next day of the current billing date to 2 days before the due repayment date. Example: Your billing date for this period is September 5th, and the due repayment date is September 25th, so the application time is from September 6th to September 23rd.

2. The installment amount of the cardholder's current bill is not equal to the cardholder's current bill amount, which is subject to the final approval of the bank.

cardholders can apply through online banking, mobile banking, uplink and downlink SMS, short links, WeChat, Yixin, ATM, CRS, smart banking, Lacarra terminal and 9558 customer service hotline.

For more information about how many installments Guangfa Credit Card can be divided into, go to: See more details

How much is the installment fee for the bill of Guangfa Credit Card

The installment fee rate for p>12 installments: .65%, the installment fee rate for 18 installments: .7%, and the installment fee rate for 24 installments: .72%

Calculation method:

The installment fee = the total installment fee

To The handling fee for each issue is:

5.65%=32.5 yuan

Extended reading

CGB bank card

1. CGB credit card is the first standard credit card in China. The credit line of the card is preset according to international standards, and it is used for overdraft consumption and cash withdrawal transactions without pre-deposit.

second, card types

first, standard cards, which are used by the general public, have no specific directivity. True Love Card and Pearl Card are high-end credit cards specially set up to locate women in the new era, and these credit cards will receive certain discounts in the purchase of some female consumer goods. Owners' cards are aimed at private car owners, and they will enjoy more benefits in terms of gas filling and car maintenance. At the same time, Guangfa Bank issued a business card with credit cards, which can be applied in some large consumption places and hotels, and will enjoy certain preferential quotas in some hotel services and booking businesses.

iii. related interest

overdraft consumption can enjoy an interest-free period of up to 5 days, and you can enjoy interest-free treatment from the transaction date to the repayment due date as long as you repay in full before the repayment due date stipulated by the bank. The repayment method is flexible, which can be paid off in full or the minimum repayment amount can be selected.

iv. repayment method

network

1. Tenpay online interbank transfer repayment

2. Bank online interbank transfer repayment

3. Kuaiqian online interbank transfer repayment

4. Alipay online interbank transfer repayment

5. Inter-bank online interbank transfer repayment

Automatic transfer

1. Self-service repayment of convenience stores

3, self-service equipment transfer repayment of our bank

4, self-service terminal transfer repayment of UnionPay "Xinfutong"

1, intra-bank telephone transfer

2, cross-bank telephone repayment

3, SMS repayment

1, and cross-bank agent repayment of "Repayment Link" <

4. Counter repayment of our bank

What is the longest installment of Guangfa Credit Card

The longest installment of Guangfa Credit Card is 24 installments.

bill installment is an installment repayment product launched by China guangfa bank for the issued bills of credit card holders.

the cardholder can flexibly choose the number of repayment periods by installments (including 3 periods (except 9558 hotline and SMS channel), 6 periods, 12 periods, 18 periods and 24 periods) according to his own financial situation, and he can enjoy the corresponding interest-free repayment period only by paying the ultra-low handling fee.

Advantages of bill installment

1. It is not limited to merchants, regardless of the size of the transaction, as long as the consumption amount in the current bill is greater than that in 5 yuan;

2. The number of periods is flexible. Cardholders can choose to pay in installments of 3 (except 9558 hotline and SMS channel), 6, 12, 18 and 24;

3. The handling fee is extremely low. The cardholder can enjoy the corresponding interest-free repayment period by paying the corresponding handling fee according to the number of installments;

4. The application is convenient and quick. Cardholders can apply through "Discover Wonderful" APP/ Guangfa Credit Card WeChat WeChat official account/Mobile Banking/Online Banking/SMS/Call 9558 and other channels;

5. Specially invited customers still have the opportunity not to use the card consumption limit when handling;

Note:

1. The time to apply for bill installment must be from the next day of the current billing date to the due repayment date.

Example: Your billing date for this period is September 5th, and the due repayment date is September 25th, so the application time is from September 6th to September 25th.

2. The installment amount of the cardholder's current bill is not equal to the cardholder's current bill amount, which is subject to the final approval of our bank.

3. The 9558 hotline and SMS channel cannot apply for the bill installment of the third installment. Please apply through other channels.

handling fee rate

(1) The charging standard of bill installment business will fluctuate within the range of the benchmark rate according to the credit status and card usage of the cardholder. The actual rate and the number of installments that can be processed are subject to the results displayed and approved by the system when the customer applies.

(2) The bank collects the total fees according to the installment amount, installment number and installment fee rate applied by the cardholder, and the installment fee rate is converted into the corresponding annualized fee rate of about -21.46%. The above ratio is the annualized IRR calculated according to the cardholder's cash flow, which varies according to the repayment method, actual number of days per month and early repayment.

Automatic Consumption Installment

"Automatic Consumption Installment Service of Everything Bank" means that the cardholder applies for signing and binding at one time, so it is not necessary to apply for installment every time in the future. In the future, the cardholder can automatically apply for consumption installment according to the number of installments specified by the cardholder, which is applicable to all credit cards of Guangfa Bank under the cardholder's name, including the current valid and future normal credit cards applied by the cardholder.

The cardholder's application for binding "Automatic Consumption Installment Business of Yangyang Bank" is permanent. During the binding period, the binding conditions (such as the initial amount and the number of installments) can be modified by finding wonderful apps. If you don't need this service, you can call 9558 (or by other means announced by our bank) to unbind at any time. The result of each application is subject to the approval of the bank.

Can't Guangfa Credit Card be divided into installments?

Guangfa Credit Card can be divided into installments, but it can only be divided into installments after credit card consumption and billing date. The following is the credit card installment method of Guangfa Bank:

1. Call the customer service phone number of Guangfa Credit Card to apply:

Cardholders need to call the customer service phone number of Guangfa Credit Card, then enter their own ID number for verification, select installment payment, and then choose manual service to apply for installment of the current bill.

2. Bank SMS application:

Cardholders can also send SMS for installment.

Xiao Mu installment advertisement

The latest product is up to 5,

The credit card of Guangfa Bank can be installment. If the installment is not possible, it may be that the credit card bill has not arrived at the billing date and has not been issued, and only when the bill comes out can you apply for installment repayment service. Or the bank does not provide installment business because the cardholder's credit card has been overdue before.