If you use Guangfa credit card to overdraw your consumption, you don't need to bear additional expenses as long as you repay it on time, but if you use credit card to withdraw cash, the cardholder will bear interest and handling fee. How much is the withdrawal fee of Guangfa Credit Card 1000? Let me show you.
1. What is the withdrawal amount of Guangfa Credit Card?
The withdrawal amount of the credit card is determined by the credit line of the credit card, and the withdrawal amount of Guangfa Credit Card is 50% of the comprehensive credit. If the credit limit of the cardholder Xiaobai Guangfa Credit Card is 20,000 yuan, then the maximum amount that Xiaobai can withdraw is 654.38+00,000 yuan.
Cardholders can withdraw cash from their credit cards through various channels: calling Guangfa Credit Card Customer Service Phone 95508, mobile banking APP, online banking, self-service cash machines, bank counter outlets, etc.
2. What is the withdrawal fee of Guangfa Credit Card?
Domestic cash withdrawal fee: the minimum fee for each cash withdrawal principal 10 yuan;
Handling fee for overseas cash withdrawal: 3% of the cash withdrawal principal, with a minimum charge of $3 (for international routes) or 15 (for UnionPay routes);
Interest on cash withdrawal by credit card: from the date of cash withdrawal, a cash withdrawal fee of 0.5 ‰ of the overdraft principal will be charged.
CGB credit card withdrawal 1000 yuan:
Domestic handling fee 1000 yuan.
The above is the introduction of the withdrawal fee 1000 of Guangfa Credit Card. In addition, large cash withdrawals and long-term non-repayment will generate a lot of interest. It is recommended that cardholders swipe their cards directly if they can, and they can only pass if they have real cash needs.
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How to calculate the installment fee of Guangfa owner's credit card?
All credit cards of Guangfa Bank have installment function, and this owner card is no exception. Before staging, you should first understand the related matters of card staging, such as handling fee, number of staging periods, staging limit and staging method. Let me introduce it to you.
Compared with other credit card installment, the installment starting point of Guangfa Credit Card is relatively low. As long as the one-time consumption exceeds that of 500 yuan, you can apply. Only 90% of the current bill amount can be paid in installments, which is ok.
In terms of the number of periods, only 6 periods, 12 periods, 18 periods and 24 periods can be selected, and the longer periods of 18 periods and 24 periods correspond to higher handling fees;
Take the 5,000 yuan installment of Guangfa owner's credit card as an example, and the installment amount is 4,500 yuan. Calculate the handling fee and principal and interest of each installment:
1, divided into 6 installments: monthly payable principal: 4,500 ÷ 6 = 750 yuan, and monthly handling fee: 4,500× yuan.
2. installment 12: the monthly principal payable is 4500÷ 12=375 yuan, and the monthly handling fee is 4500× yuan.
3. installment 18: monthly principal payable: 4,500 ÷18 = 250 yuan, and monthly handling fee: 4,500× yuan.
4. Divided into 24 installments: the monthly principal payable is 4,500 ÷ 24 = yuan, and the monthly handling fee is 4,500 × yuan.
Comments On the whole, the installment fee of Guangfa Bank is on the high side, but the installment fee of Guangfa owner's credit card is charged on a monthly basis, instead of all the installment fees in the first month, which is still a big discount for cardholders who are ready to repay in advance.
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How to calculate the installment fee for the credit card bill of Guangfa Bank? How to charge?
Installment payment business has now become one of the businesses that people often handle. People will not only handle the installment when they consume, but also handle the installment when they repay. However, there is a handling fee for staging. And different banks will charge different fees. Then, how to calculate the installment fee for the credit card bill of Guangfa Bank? How to collect it? I will answer your question today.
How to calculate the installment fee for the credit card bill of Guangfa Bank?
The handling fee of credit card bill installment of Guangfa Bank will vary according to the number of installments and the amount of installment, and the handling fee rate corresponding to different installments is also different.
For example, the credit card bill of Guangfa Bank can be divided into six periods, 12 period, 18 period and 24 periods, in which the handling fee rate of the sixth period and 18 period is the same as that of the 24 periods, and the handling fee of each period is equal to the total installment amount × the corresponding handling fee rate. For example, the installment amount I want to apply for is 10000 yuan, divided into 12 installments, so the handling fee I have to pay for each installment is = 10000× yuan.
How to charge the installment fee for the credit card bill of Guangfa Bank?
1. You can choose to pay the handling fee by installments, calculate the current handling fee according to the handling fee rate of each installment, and pay it together with the principal payable in the current period;
2. You can choose to pay the handling fee in one lump sum. The total handling fee can be calculated according to the handling fee rate corresponding to the number of periods × the number of periods, and the total handling fee will be collected together with the principal payable in the current period.
The above is the installment fee for the credit card bill of Guangfa Bank. How to collect it? "The answer. The installment fee for the credit card bill of Guangfa Bank will vary according to the number of installments, which can be charged by installments or at one time.
How much is the withdrawal fee of Guangfa Credit Card?
Guangdong Development Bank Credit Card Cash Withdrawal Charge Standard
Domestic (RMB card, dual-currency card): local interbank, local interbank, off-site interbank, off-site interbank, minimum charge 10 yuan. Transaction amount in China (USD card, HKD card): cash withdrawal amount abroad (RMB card): 3% of cash withdrawal amount, minimum charge 15 yuan/transaction.
Overseas (USD card): 3% of the cash withdrawal amount, with a minimum of USD 5 per transaction.
Overseas (HKD card): 3% of the cash withdrawal amount, with a minimum of HKD 40 per transaction.
Overseas (dual-currency card): 3% of the cash withdrawal amount, with a minimum of RMB 15 yuan or USD 3 per transaction.
How much is the gold card withdrawal fee of Guangfa Credit Card?
The credit limit of a credit card gold card is generally below 50 thousand yuan, which will be higher than that of a general card, and the corresponding gold card can withdraw more cash than a general card. If you have a gold card of Guangfa Credit Card and want to withdraw cash for urgent use, and want to know how much the handling fee is, I will give you a popular science lesson below.
First, the handling fee standard for cash withdrawal of Guangfa Credit Card
1, domestic cash withdrawal
1) Domestic ATM inter-bank withdrawal fee: 4 yuan/transaction, 20 17 1 to 20 18 12 3 1 free;
2) Domestic overdraft withdrawal transfer fee: the minimum charge is 10 yuan according to the withdrawal amount;
3) When customers overdraw cash through telephone channels and transfer it to other banks' savings accounts, an additional handling fee of 10 yuan will be charged;
4) Domestic overpayment cash withdrawal fee: according to the overpayment cash withdrawal amount, the minimum 5 yuan/transaction and the maximum 50 yuan/transaction will be waived from now on to 20 18 12 3 1.
2. Withdraw cash from overseas
Handling fee for overseas cash withdrawal: 3% of the overseas cash withdrawal amount, with a minimum of RMB 15 yuan. Customers withdraw cash from overseas self-service terminals, and other fees charged by the acquiring institution shall be paid separately by customers.
2. What is the gold card withdrawal fee of Guangfa Credit Card?
Whether it is an ordinary card, a gold card or a platinum card, the cash withdrawal fee is implemented according to the above standards. Among them, from now until 20 18 12 3 1, China Southern Airlines Platinum Card, Air China Platinum Card, China Eastern Airlines Platinum Card, Shandong Airlines Value-added Platinum Card, Business Travel Platinum Card, True Love Platinum Card and Golf Platinum Card will be issued by Guangfa Bank.
Summary: The handling fee of CGB Credit Card Gold Card withdrawal is related to the amount and method of cardholder withdrawal. However, the interest required for withdrawal is firm, and it will be charged at the interest rate of five ten thousandths per day from the date of withdrawal, with compound interest on a monthly basis. The longer the withdrawal time, the bigger the interest snowball. So in order not to increase the repayment pressure on yourself, just pay it off as soon as possible.
How to calculate the credit card interest of Guangfa Bank?
CGB's credit card interest is calculated as follows:
If the overdraft is 1, 200 yuan, divided into 12 installments, the repayment per installment (month) is 1 0,000 yuan, and the handling fee is 0.6%/ month. The actual monthly deduction is 1 0,006,5438+0,200× 0.6. If other factors are not considered, the convertible nominal annual interest rate is 7.2%. But the cardholder did not always owe the bank 1.200 yuan. In the last month, he actually only owed the bank 1 1,000 yuan, but the bank still charged the handling fee according to 1, 200 yuan.
According to the calculation, the actual annual interest rate that the cardholder has to pay is about 15.48%. According to the correct calculation formula, it should be12006% (16%)12/(1b)12-1) =103.94 yuan.
Full penalty interest and partial penalty interest are two methods to calculate interest. Most banks only pay the repayment amount before the repayment date, not the full amount, so they have to pay not only the interest on the unpaid part, but also the interest generated from the consumption date to the repayment date by five ten thousandths of the total amount.
Extended data
Guangfa Bank Guangfa Credit Card launched "Yangyanghang" interest-free installment payment. As long as the single consumption reaches 500 yuan, you can call 95508 to register for installment payment. The period of GDB card is 6 months, 12 months, 18 months and 24 months.
Number of installments and handling fee standard:
The number of periods (monthly 1 period) is 6, 12, 18 and 24, and the service fee rate of each period is 0.7%, 0.7%, 0.72% and 0.72% respectively. Guangfa Bank can also handle postal installment business, and the commodity providers mainly include Digital China and Founder Technology. The staging method is the same as that of China Merchants Bank.
Generally speaking, the handling fee of credit card installment 1 year is lower than the annual cash withdrawal interest 18%, and higher than the bank commercial loan interest 1 year 5.3 1%. It is worth mentioning that the loan interest rate of commercial banks has been lowered many times since last year, but the standards of credit card installment fees and cash withdrawal interest have rarely changed. Although different banks have different standards for credit card installment fees, the calculation method is roughly the same.