Abstract: The credit card early repayment fee refers to a fee that the bank will charge when the cardholder pays off the credit card debt in advance. This article will explain in detail whether the credit card early repayment fee still needs to be paid. problem.
1. What is the credit card early repayment fee?
1.1 What is the credit card early repayment fee?
The credit card early repayment fee refers to the When a cardholder pays off his credit card debt in advance, the bank will charge a fee. The fee standard is generally set by the bank itself. Generally, the charging ratio is 1 of the early repayment amount, and the maximum amount charged will not exceed 1,000 yuan.
2. Do you still have to pay the credit card early repayment fee?
2.1 Can the credit card early repayment fee be waived?
The credit card early repayment fee is generally It cannot be waived, but there are exceptions. For example, some banks will waive early repayment fees under certain specific conditions.
2.2 Whether the credit card early repayment fee can be reduced or reduced
The credit card early repayment fee generally cannot be reduced, but there are exceptions. For example, some banks can provide discounts and reduce part of the fee. Early repayment fee.
2.3 Can credit card early repayment fees be deducted
Credit card early repayment fees are generally not deductible, but there are exceptions. For example, some banks can deduct early repayment fees. The handling fee will be deducted from the next month's bill to reduce the burden on cardholders.
2. Advantages and disadvantages of credit card early repayment fees
3.1 Advantages
(1) Credit card early repayment fees can help cardholders to pay more quickly Pay off credit card debts as quickly as possible, thereby saving more fees;
(2) Credit card early repayment fees can improve the credit record of the cardholder and help increase the credit card limit.
3.2 Disadvantages
(1) Credit card early repayment fees are high, which may increase the burden on cardholders;
(2) Credit card early repayment fees The charging standards for repayment fees are not uniform, which may affect cardholders' payment options.
3. How to avoid credit card early repayment fees
4.1 Try to avoid early repayment
The best way is to try not to repay early, because early repayment Repayment will incur corresponding handling fees, and the fees charged are also quite high, so try not to repay in advance.
4.2 Reasonable installment
If the cardholder has the ability to repay the loan in advance, reasonable installment can be considered to reduce the payment handling fee and help the cardholder save money.
4.3 Actively maintain credit records
Cardholders can actively maintain their credit records to obtain preferential treatment from banks. Sometimes banks will provide some preferential policies, such as exemption from early repayment. Handling fees, etc., this can save more costs.
Conclusion: The credit card early repayment fee refers to a fee that the bank will charge when the cardholder pays off the credit card debt in advance. Generally, it cannot be exempted, reduced or deducted, but there are exceptions. For example, some banks can provide discounts, etc. The best way is to try not to repay in advance. If the cardholder has the ability to repay in advance, he or she can consider reasonable installments to reduce payment fees and at the same time actively maintain his or her credit card balance. Credit history to get bank offers.
This article answers in detail the question of whether credit card early repayment fees still have to be paid, from the definition of credit card early repayment fees, whether they can be exempted, reduced and deducted, as well as their advantages and disadvantages, to how to avoid them. Credit card early repayment fees point out that the best way is to try not to repay in advance. If the cardholder has the ability to repay in advance, he or she can consider reasonable installments to reduce the payment fees and at the same time actively maintain his or her credit. Record to get bank offers.