How to handle the credit card installment of Postal Savings Bank
1. Transaction installment: also known as interest-free installment payment for a single transaction. The operation mode is that the cardholder applies to convert the unissued single transaction into installment payment. The number of stages is generally 5, and the longest service life can reach 24 months. Its processing threshold is very simple. Cardholders can call the customer service hotline of Postal Savings Bank at 40088-95580 or pay attention to WeChat official account and personal online banking through the mobile banking of Postal Savings Bank to apply for a single 500 yuan transaction. After the installment is successful, a handling fee of 0.6% of the total installment principal will be charged.
2. Bill installment: also called interest-free installment of any sub-bill. Its service life is the same as that of trading by stages, and it is also divided into five grades, and the longest can reach 24 months. The operation method is to convert the consumption amount in the bill into installment payment. Cardholders need to meet the conditions that the bill consumption amount is greater than that of 800 yuan, and the application time should be from the bill date to before 20: 00, 65438+ 0 days before the due repayment date. The installment rate is charged at 0.6% of the total principal, and payment is required on schedule.
3. Merchant installment: This installment repayment method is also very convenient and easy to operate. It means that the cardholder selects the goods in the designated cooperative merchants, and then directly swipes the credit card of the Postal Savings Bank to handle the installment business. The biggest advantage of this method is that it can unite many merchants to meet the all-round consumption needs of cardholders. At the same time, cardholders can also enjoy exclusive marketing activities, get extra cash gifts and enjoy the minimum 0 yuan installment discount.
How much is the interest on credit card installment?
The installment interest of postal credit card, commonly called installment fee, is a fixed monthly fee. The handling fee is: bill installment amount * installment number * handling fee rate.
The installment rate of postal service is easy to calculate. Whether you divide it into 3 -6 installments or 12 installments, it is calculated according to the handling fee of 0.6% for one installment. Take a bill of 9000 yuan as an example. The handling fee is as follows:
It is divided into three phases: 9000*0.6%*3= 162 yuan.
Divided into 6 periods: 9000*0.6%*6=324 yuan.
No matter how many installments of the 9000 yuan bill are divided, the monthly handling fee is 54 yuan. If you regret staging, you still have to pay this handling fee. And the handling fee is related to the number of installments and the principal. When your bill is higher, you need more installment interest.