However, there is a handling fee for installment, and the details are as follows. It won't just pay 733 pounds per issue.
If you have more money, you can apply for a one-time repayment without paying it back in installments.
Credit cards will have a billing date every month, and will be repaid before the final repayment date after the bill is generated.
For example, your monthly bill is 10, and the final repayment date is 25 days later, that is, the 4th or 5th of next month.
Your bill will be generated at RMB 733 per month at 10. If there are no other arrears, the bank will only deduct 733 on the 4 th or 5 th of next month, and the extra 4,000 yuan will be deducted every month. Deduct it after six months.
It is useless to repay after the last repayment date and before the bill is generated, and then consume. You pay back the money on the 6 th, and the flower on the 9 th is useless.
First, the charging method.
For example, ICBC and BOC charge fees in one lump sum, while other banks share the fees in different periods. There are also differences in the treatment of staging time. The longer some banks charge.
The lower the handling fee rate, such as Shanghai Pudong Development Bank, China Construction Bank and China Everbright. Whether to calculate the late installment fee for prepayment is also different. For example, Guangfa only charges extra fees for prepayment, and most of them
Banks continue to charge.
Second, the rate.
The installment fee of ICBC's credit card: 3 installments are free, 6 installments 1.8%, 9 installments 2.7%, 12 installment 3.6%, 18 installment 5.85%, and 24 installments 15.6% (one-time fee).
Agricultural Bank of China credit card installment fee: 0.6% per month (charged monthly).
China Bank's credit card installment fee: 65438+3 installment 0.95%, 6 installment 3.6%, 9 installment 5.4%, 12 installment 7.5%, 24 installment1.7% (one-time charge).
The installment fee of CCB's credit card: 0.7% for the third installment and 0.6% for the sixth installment, 12 installment (charged monthly).
Credit card installment fee of CITIC Bank: 12 installment 2.5% (charged monthly).
PUFA credit card installment fee: 0.72% for the third installment, 0.7% for the sixth installment and 0.66% for the 12 installment (charged monthly).
The installment fee of China Merchants Bank's credit card: 2.6% for the third installment, 4.2% for the sixth installment, and 7.2% for 12 installment (charged monthly).
Bank of Communications credit card installment fee: 0.72% per month (charged monthly).
The installment fee of Guangfa Credit Card: 0.65% for the 6th installment 12 installment, 0.7% for the 8th installment/kloc-0 installment, and 0.72% for the 24th installment (charged monthly).
Fee for installment of China Everbright Credit Card: apply for installment repayment before consumption, 12 month installment, and charge 0.5% every month. There are three installments, six installments, nine installments and 12 installments, and the handling fees are respectively
2%, 4%, 5%, 6% (one-time charge).