With the increasing number of credit card holders, credit card repayment business is also extremely hot. At present, there are many repayment platforms on the market, such as Lacarra's repayment for you and Samoyed's financial management province. So how much do you charge for credit card compensation? Is it cost-effective than staging?

How much is the charge for returning the credit card?

Repay for you based on the overdraft amount 1 000 yuan, apply for 1 week, and charge 200 yuan; 2-week handling fee 300 yuan; 3-week handling fee 400 yuan; 4-week handling fee, 600 yuan. Through this loan cycle, cardholders can freely choose the repayment time, which is more flexible for those cardholders who urgently need repayment but have not yet paid their wages.

Which is more cost-effective, credit card repayment or installment payment?

And the cardholder directly adopts the minimum repayment method of credit card? Suppose the cardholder makes a one-time consumption of 10000 yuan on June 5438+00, the billing date is June 5438+05, and the repayment date is the third day of the following month, and the cardholder only pays the minimum repayment amount of 1000 yuan and 165438 on June 3. The handling fee for returning goods for you is slightly lower than 1 week.

The provinces of repayment platform are mainly in stages. According to the credit rating, there are two installment interest rates. The monthly installment interest rates of Class A users are 0.72% in March, 0.63% in June and 65438+0.59% in February. The installment rates for Class B users are 0.83% in March, 0.73% in June and 0.68% in June and February. At present, the monthly fee of most bank credit cards is 0.6%-0.7%. The longer the term, the lower the interest rate.

Summary: As can be seen from the above, credit card payment is not much more affordable than bank installment. If we have to compare, the credit card installment rate will be lower.