Question 1: Both transactions should be card transactions (non-cash), and both enjoy a minimum interest-free period of 25 days and a maximum of 56 days. Cash withdrawals do not enjoy the interest-free period.

Question 2: Conditions for applying for installment:

Single swipe of card consumption is 1,500RMB and above, Y-power card is 500RMB and above in single swipe of card. The bank charges a certain percentage of handling fees. For a single card swipe up to 1,500 yuan, the handling fee is 0.72 per period. Assuming that both transactions are applied for 12 installments (your card is a YP card, otherwise the 1,000 cannot be divided), each installment will be 5200÷12 5200×0.72=433.33 37.44=470.77 yuan. Of course, the installments for the two purchases on the bill are single Forget it, I added them together.

Question 3: About the billing date and final payment date? It's very important. The following is just an example of the billing date. You can find out your own billing date by yourself.

The final payment date for Bank of Communications credit cards is the 25th day after the statement date. Assume that the bill date is the 8th (fixed), that is to say

The bill is generated on 9.8, recording the transactions between 8.9 and 9.8, and the final repayment date is the 25th day after 9.8, that is, 10.3

The bill is generated on 10.8, recording the transactions between 9.9 and 10.8. The final repayment date is the 25th day after 10.8, which is 11.2

And so on.

Obviously, the interest-free period for 9.8 purchases on the bill day is the shortest, with 25 days (9.8 purchases, 10.3 repayments), and the 9.9 consumption on the first day after the bill date is the longest, with 56 days (9.9 purchases, 11.2 repayments) ). It should be noted that there is an interest-free period only for card purchases, but there is no interest-free period for cash withdrawals.

Question 4:

Some people have calculated that for a single consumption of more than 3,000, it is more cost-effective to repay in installments than to repay the minimum amount. Interest will be charged based on the minimum repayment amount, and handling fees will be charged based on the installment repayment amount. My personal opinion is to apply for installments for credit card consumption of 4,200, and repay the minimum amount for 1,000. You can also apply for installments (if you have a YP card)