At present, there are two ways to charge credit card bills: installment and one-time charge. The former is that the bank charges a monthly fee and the principal of each period; The latter is a one-time charge for all phases of the first phase.
In either case, the prepaid handling fee will not be refunded, and the regulations of other institutions are different.
1, China Construction Bank
If the applicant applies for prepayment, the installment business will be terminated for the cardholder after confirmation by CCB, and the installment fee charged will not be refunded; At the same time, the cardholder must pay the remaining principal and all handling fees in one lump sum.
2. China Merchants Bank
The cardholder shall pay off the bill installment business that has been successfully handled in advance. After the application is approved, the cardholder shall pay off the outstanding principal and the remaining "unpaid fees" in one lump sum, and the installment fee received will not be refunded.
3. Shanghai Pudong Development Bank
If the cardholder terminates the successful bill installment business in advance, he must pay the remaining principal and handling fee of each installment in one lump sum; The handling fee paid by the cardholder will not be refunded.
4. Agricultural Bank of China
For the installment business handled after 20 19 10 10/0, the installment fee collected or booked will not be refunded, and the first installment fee that has not been charged will be charged. Prior to this, if the credit card bill is applied for full prepayment in installments, the fees collected or booked will not be refunded, and the unpaid fees will be exempted.
5. China Industrial and Commercial Bank
From 20 18 12 1, one item of "liquidated damages for prepayment by installment" is added, and the charging standard is 3% of the prepayment amount or the agreed price. For businesses that have received the installment fee in full, there is no penalty for prepayment by installment. However, ICBC's charging standard depends on the specific card type when it is implemented.
6. China CITIC Bank
From April 20 1 year 18, the adjusted "bill/single installment" product will be implemented, and the payment standard of liquidated damages for early termination of installment repayment will be implemented. If a one-time handling fee is charged, the received handling fee will not be refunded; If the handling fee is collected in installments, the handling fee will not be refunded, and the remaining unpaid principal will be charged at 3%. However, the remaining unpaid fees will not be charged.
Extended data
The advantages of credit cards are as follows:
1, there is no deposit for overdraft consumption, and you can enjoy an interest-free period of 20-56 days. Repayment can be made on time without any charge (most banks will charge 0.05% interest and 2% handling fee on the day of withdrawal, while ICBC will charge no handling fee but interest).
2. It is not only safe and convenient to swipe your card when shopping, but also a bonus gift.
3. Special merchants who hold cards in banks can enjoy preferential treatment.
4. National access is barrier-free, and you can withdraw money or spend money on ATMs and POS machines with UnionPay logo.
5, credit card consumption, some credit cards get existing points, all kinds of discounts and lottery activities throughout the year, so that you can always have surprises as long as you use the card.
6. Unique supplementary card function, suitable for husband and wife to jointly manage their finances or master their children's financial expenses.
7. The free choice of one card and two currencies is popular all over the world, and consumption abroad can repay in RMB.
8400 telephone or 5-digit short number with prefix 9 provides 24-hour service, and loss reporting takes effect immediately, with zero card loss risk.
9. Use the third-party platform for business cooperation and provide preferential services for cardholders.
Baidu encyclopedia-credit card
People's Daily Online-Why do you have to pay the full handling fee for early settlement by stages?