Shanghai Pudong Development Bank credit card installment fee: 0.78% for the sixth installment; 12 0.74%; 15 0.75%; 18 0.76%; 0.76% in 24 periods.
Credit card installment of Shanghai Pudong Development Bank: automobile installment, shopping mall installment, bill installment, free installment, contract installment and cash installment. Handling credit card installment business can really reduce the repayment pressure of cardholders. The fees and number of installments are as follows:
Pufa credit card automobile fen phase
Car installment business refers to the fact that credit card holders of Shanghai Pudong Development Bank can apply for installment payment when they buy a car at a car dealer designated by Shanghai Pudong Development Bank. After the down payment and insurance are approved by stages, the balance will be paid in advance by the credit card center, and the cardholder will repay the loan according to the agreed number of stages and the handling fee rate. Refer to the following for details:
Periods: 12, 24, 36.
Installment fee 5% 10% 15%
Pufa credit card shopping mall fen phase
Installment payment in shopping malls means that the credit card holders of Shanghai Pudong Development Bank can apply for installment payment if they meet certain requirements when purchasing goods in the shopping malls cooperated by Shanghai Pudong Development Bank. After approval, the credit card center will prepay the total price of the goods purchased by the cardholder to the shopping mall, and the cardholder will divide the total price of the goods into several periods according to the agreement. The number of installments is 3, 6 or 12, and the installment fee rate is subject to the irregular announcement by the credit card center.
Pufa credit card bill installment
Shanghai Pudong Development Bank credit card can apply for installment payment, and eligible Shanghai Pudong Development Bank credit card holders can apply for installment repayment for the new RMB credit card consumption shown in the latest bill. The application method mainly includes:
1. Call the credit card center application hotline 400-720-7888, or the 24-hour customer service hotline 400-820-8788 or (02 1)3878-4988 to apply.
2. Log in to the online bank of Shanghai Pudong Development Bank and apply in the "online account service".
3. Send a text message to 95528 to apply. The instruction is "zdfq"+(space)+the last four digits of the card number+(space)+the number of periods.
4. Log in to the Pudong Mobile Banking client to apply.
5. Pay attention to the official WeChat application of Shanghai Pudong Development Bank Credit Card Center.
The number of installments and installment fees are as follows: the fees can be divided into installments and one-time collection.
Installment payment:
How to collect the handling fee rate for each period
3 installments of 0.90% will be collected in installments.
6 installments of 0.78% will be collected in installments.
12 0.74% installment payment
0.75% installment of 15.
0.76% staging of 18.
24 periods 0.76%
Installment payment
One-time expenses:
Collection method of one-time handling fee rate for installment number
The one-time charge for the third phase is 2.64%.
4.44% of the six issues were collected at one time.
12 8. 16% one-time charge.
15 10.35% will be collected at one time.
18 12.60% will be collected at one time.
16.80% of the 24 installments were collected in one lump sum.
Free installment payment with Pudong Development Credit Card
Cardholders can apply for free installment payment by telephone, online banking, WeChat, SMS, etc. as long as the consumption amount reaches 200 yuan (inclusive), and the application time is 2 days from the date when the consumer swipes the card to the due repayment date. The number of installments and the installment fee are the same as the billing installment.
Pufa Credit Card Signing Stage
Credit card holders of Shanghai Pudong Development Bank signed a contract to apply for installment payment or free installment payment. During the signing period, the transactions that the customer meets the requirements of installment exemption will be automatically phased according to the number of installments specified by the customer. Number of periods and handling fee reference:
How to collect the handling fee rate for each period
3 installments of 0.90% will be collected in installments.
6 installments of 0.78% will be collected in installments.
12 0.74% installment payment
0.75% installment of 15.
0.76% staging of 18.
24 periods 0.76%
Installment payment
Cash installment of credit card of Shanghai Pudong Development Bank:
The credit card cash installment business of Shanghai Pudong Development Bank refers to eligible cardholders of Shanghai Pudong Development Bank Credit Card Center, who can apply for withdrawing cash within the credit card withdrawal limit for installment repayment, and the cardholders have to pay a certain installment fee. The number of installments and handling fees are charged as follows:
Installment rate
One-time charging rate and installment charging rate
The sixth stage is 4.79% and 4.98%
12 8.93% 9.57%
24 issues 16.89%
36 periods 24.92% 29.35%
Prepayment of Shanghai Pudong Development Bank Credit Card
After applying for installment payment by credit card of Shanghai Pudong Development Bank, if it is necessary to repay in advance, it is necessary to pay off the outstanding amount in one lump sum, but the installment fee charged by the bank will not be refunded.
The credit card installment fee of Shanghai Pudong Development Bank: 0.78% for the 6th installment, 0.72% for 12 installment and 0.76% for the 24th installment of 18 installment.
For example, if you spend 5,000 yuan with a credit card and apply for six installment payment services,
Monthly payment: the handling fee is 5000 x 0.78%+ the principal is 5000÷6=39+833.33=872.33 yuan.
For the credit card of Shanghai Pudong Development Bank, the handling fee is 0.76% for the 24th installment, and 760 yuan handling fee is required for the monthly consumption of 65,438+10,000 yuan.
The installment number of PUFA credit card can be selected as 3 months, 6 months, 12 months, 15 months, 18 months or 24 months; Once a month;
The following is the installment interest rate of PUFA credit card:
1, Pudong Development Credit Card is divided into three phases, and the handling fee rate of each phase is 0.9% of the total principal;
2. Divided into 6 periods, and the handling fee rate of each period is 0.78% of the total principal;
3. Divided into 12 installments, and the handling fee rate of each installment is 0.74% of the total principal;
4. Divided into 15 installments, and the handling fee rate of each installment is 0.75% of the total principal;
5. Divided into 18 installments, and the handling fee rate of each installment is 0.76% of the total principal;
6. It is divided into 24 periods, and the handling fee rate of each period is 0.76% of the total principal.
Pudong Development Credit Card can be divided into 3 months, 6 months, 12 months, 15 months, 18 months and 24 months. Divided into three phases, 0.9%; Divided into 6 periods, 0.78%; 12 0.74%; 150.75%; 18, 0.76% in the 24th period. Handling fee per installment = total installment amount × handling fee rate per installment. For example, 10000 yuan is divided into 24 installments, and the repayment amount of each installment =10000 ÷ 24+10000× 0.76% = 492.67 yuan.
In fact, many balance compensation platforms are doing very well now, such as returning. If you can't pay back your credit card next time, I can pay it back for you first and then pay it back in installments. The minimum interest charged is only half of the bank interest.
First, the free installment payment of Shanghai Pudong Development Bank has no interest, but there is a certain installment fee;
Second, if the single consumption amount reaches RMB 200 yuan (inclusive) or above, the host cardholder can apply by calling customer service, logging in to Pudong official website, sending SMS, mobile banking client, official WeChat account, etc. two days before the due date of the current bill;
3. The number of installments that can be freely selected is 3, 6, 12, 15, 18 or 24, and each installment is one month. The credit card center reserves the right to approve the installment payment application;
4. The installment fee is 0.90% for the 3rd installment, 0.78% for the 6th installment, 0.74% for 12 installment, 0.75% for 15 installment, 0.76% for 18 installment and 0.76% for the 24th installment, which can be collected by installments or at one time.
Fifth, the cardholder's consumption amount is fully included in the used credit line; However, the available credit limit is restored according to the monthly repayment principal. Once the application for free installment is successful, the installment amount and the number of installments cannot be changed or cancelled. For transactions that have been paid by installments, the installment amount of each installment will not be able to apply for installment payment again;
Sixth, if 6900 yuan is divided into 12 installments, it needs to be repaid in each installment.
The installment repayment of Shanghai Pudong Development Bank's credit card and related matters are as follows:
1. Pufa Credit Card repays in installments. If you repay in full and on time, there is no interest;
2. There is a handling fee for the installment repayment of the credit card of Shanghai Pudong Development Bank, which is deducted according to the following standards: 0.72% for the third installment, 0.7% for the sixth installment and 0.66% for the 12 installment (charged monthly);
3. Credit card late payment fee is not interest, nor is it calculated by the day. The late payment fee is calculated at 5% of the minimum repayment amount of overdue bills;
4. When the bill is overdue or unpaid, the credit card interest shall be calculated at 0.5 ‰ of the bill amount until the principal and interest are paid off;
5. The repayment date of the credit card is the final repayment date. Repayment can be made on any day before, and multiple repayments can be made. However, even if it is overdue after the repayment date, it will charge five ten thousandths of daily interest, which may also affect personal credit, so it is necessary to repay it in time.