Call the credit card center first and apply for a refund of the credit card penalty. If the bank doesn't agree, you can call the bank or complain at the CBRC, and the overcharged interest can definitely be refunded. Because of excess interest, liquidated damages, penalty interest, etc. If they exceed the red line, they can't get legal support and can complain back.
To sum up, the liquidated damages caused by the bank's inaction or bank's fault, including those caused by special circumstances, can also be appealed. For example: accidents, stolen brushes, etc. Unreasonable expenses can be refunded.
1. Can credit cards be repaid in advance by installments?
Installment repayment cannot be revoked. Users can choose to prepay, but they must first apply to the customer service of the issuing bank. After the operation there is completed, the amount that the user needs to repay will be all calculated and directly included in the next bill, which will be paid off by the cardholder.
If you just want to pay back a certain issue in advance, you can go directly to the mobile banking, click on the credit card to pay back, and choose the one that is paid back in advance, and it will be fine directly. If a large amount of prepayment is required, the arrears must be settled in one lump sum.
You can't pay in full before the customer service calculates your outstanding amount. This is the rule of banks, which is basically what banks do. The benefits of early repayment are not many, at most, it is to survive prematurely and release the amount occupied by the arrears by the way.
2. Does prepayment by credit card affect credit reporting?
As we all know, installment repayment itself is not a credit report. This is just a normal repayment method, and it is not linked to credit reporting. Unless you are overdue in installments, the information will be transmitted to the Credit Information Center of the People's Bank of China.
When you pay off your debts in advance, it will not affect your credit information. After all, it is an inherent service of banks. However, although you let the bank collect the arrears in advance, it seems to be a beautiful thing, but it is actually a breach of contract.
Although this behavior does not belong to the credit report, it may be subject to liquidated damages. And everyone repays in advance in installments, mostly to save fees. Unfortunately, it is impossible to pay off the debts in advance. It doesn't save money, but it may cost more. What's going on here?
Can credit cards be repaid in advance by installments?
3. Is there a handling fee for prepayment by credit card installment?
Some banks will charge a penalty of about 3% of the principal for users' prepayment. This principal refers to the undistributed principal amount. If there is still 1 0,000, 300 yuan handling fee will be paid this time.
Besides, we should pay attention to the following two points:
1. Handling fee received
No matter whether it is a bank that collects the installment fee at one time or you pay it back at one time, no matter how much installment fee you give to the bank, it will not be refunded to you. Even if you regret it in stages the next day, you can't get it back when you go to the bank to get the handling fee back.
2. Repayment expenses
For the case that you repay the principal together with the first installment, if you paid the 330 yuan service fee at 50,000 cents 12 installment every month, and now there is 10 installment left, you must pay back the remaining 3,300 yuan.
In short, it is the rogue routine of the bank. No matter how many installments you pay, every penny is indispensable for the money that should be paid in normal installments. Those that have been paid will not be refunded. It is very important to divide the appropriate number of periods, and a large amount of handling fees will be wasted if you are not careful.