Bank of Communications credit card installment fee is the same as credit line installment, and there is no more cost-effective statement. The installment fee rate for each installment is 0.72%, and the principal and expenses payable for each installment are the same.
However, after the good loan is opened, as long as the consumption amount of a single credit card reaches more than 1500 yuan, it will be automatically phased in, and there is no need to apply to the issuing bank for installment repayment. For ordinary installment, you need to apply to the issuing bank for installment repayment from the billing date to a few days before the repayment date, which needs to be reviewed by the issuing bank.
1. Only the holders of Bank of Communications credit score 700 or above can enjoy the loan. Angel loans are applied by non-Bank of Communications cardholders, all of which are automatically phased after consumption, and the installment rate of angel loans is relatively low.
2. Loan enjoyment refers to the credit card installment payment business of Bank of Communications credit card, and the amount it gives is an irrecoverable separate amount added to the original amount under the designated card. When you make a large amount of consumption, you can easily directly convert it into installment; Angel loan refers to a consumer credit product carefully created by Bank of Communications credit card for young and middle-aged customers, which has nothing to do with the credit card quota. Moreover, there is no age or education limit for applying for a good loan, but the conditions that angel loans need to meet are 24-35 years old and college degree or above. This is specially designed for young people. Good loans can reach up to10.5 million, with interest of 0.72%. Considering the actual situation of young people, the interest required for angel loans is low, only 0.35%, but the maximum interest can reach 300,000. Generally speaking, the approval of both is quick and the application is simple. If you are young, you can consider angel loans, after all, the amount and interest are lower; If credit card users are looking for convenience, they can use good loans.
1. Bank of Communications Credit Card is a credit brand product jointly launched by Bank of Communications and HSBC. Its user orientation is "a group of people who have ideals, pursuits, know how to enjoy life and career, are more willing to struggle, and sometimes have the needs of studying abroad, doing business, studying abroad or traveling abroad."
2. Bank of Communications credit cards are also a group of people with high living standards who are willing to try new consumption habits. Bank of Communications Pacific Credit Card is a credit card product created by Bank of Communications by introducing advanced technology and management from HSBC. It brings together the advantages of global and local countries, advocates a brand-new consumer culture and card experience with the theme of "China Global Card", and provides preferential and thoughtful services around the world.