China Agricultural Bank credit card cash installment fee standard is as follows: fee = 0.7% of principal.
No matter how many cash installments the credit card of Agricultural Bank of China is divided into, such as 3, 6, 9 and 12, the service fee rate is 0.7%, and a one-time service fee will be charged when applying for cash installment. If you use credit card billing installment, consumption installment or merchant installment, the handling fee is 6% of the installment principal, which will be charged on schedule.
Extended data:
Handling fee: expenses incurred in the course of handling affairs. The term "service fee" is interpreted as "procedures for doing things". For example, handle "loan procedures", "transfer procedures" and "securities trading procedures" and so on. Therefore, "handling fee" can be interpreted as: a kind of labor remuneration charged for handling related matters on behalf of others; Or for the client, it belongs to the corresponding remuneration paid by others for handling related matters. Such as: securities transaction fees, agency ticketing fees, withholding fees, government bond agency fees and so on.
From the perspective of tax payment, all kinds of agency fees collected by operators should be regarded as taxable income and paid value-added tax; After deducting related expenses, the income must also pay enterprise income tax. In another case, the withholding fee obtained for the tax authorities belongs to tax-free income, and there is no need to pay taxes such as business tax.
There are two kinds of fees in the banking system:
Interest other than loans is collectively referred to as handling fees. Such as: interest arising from installment repayment of credit cards and interest arising from overdue credit cards;
Expenses incurred in handling business in the bank.
Installment repayment-means that there will be multiple repayments, and the principal and interest of repayment will be shared among each repayment.
Bank's installment repayment is an installment repayment business launched to avoid penalty interest according to the total consumption limit when customers can't repay the overdraft amount of credit cards in one lump sum.
Compared with installment payment, installment payment is different in application procedure and application scope. For example, Xiao Li wants to buy a mobile phone by installment, so he should go to a store that cooperates with a credit card. The installment repayment business does not need to specify the consumption place and category. If the customer realizes that he can't repay in full on time after swiping the card, he can call to apply. However, it should be noted that the handling fee for installment repayment is higher, which is generally higher than the commercial loan interest rate in the same period.
How to calculate credit card installment interest?
Credit card installment payment generally has no interest and only charges a handling fee. Whether there are points depends on what you buy in installments. For example, there are generally no points for buying a car and swiping a card in restaurants and supermarkets. In addition, when the bill is paid in installments, banks often have activities to send points.
The following are the installment fee standards of several banks:
1. ICBC credit card installment fee: 3 installments are free, 6 installments 1.8%, 9 installments 2.7%, 12 installments 3.6%, 18 installments 5.85%, and 24 installments 15.6%. (One-time charge)
2. China Agricultural Bank credit card installment fee: 0.6% per month (charged monthly).
3. China Bank credit card installment fee: 3 1.95%, 6/3.6%, 9/5.4%, 12/7.5%, 241.7% (one-time charge).
4. Installment fee of CCB credit card: 0.7% for the third installment and 0.6% for the sixth installment, 12 installment (charged monthly).
5. Credit card installment fees of CITIC Bank: 1, 1.50%, 0.82% for the third installment, 0.82% for the sixth installment, and 0.77% for the second installment (charged monthly).
6. Installment fee for Pudong Development Credit Card: 0.72% for the third installment, 0.7% for the sixth installment and 0.66% for the 12 installment (charged monthly).
7. Credit card installment fee of China Merchants Bank: 2 1.0%, 3/0.9%, 6/0.75%, 10/0.7%, 12/0.66%, 18/24/0.68%.
8. Bank of Communications credit card installment fee: 0.72% per month (charged monthly).
9. Installment fee of Guangfa Credit Card: 0.65% for the 6th installment, 12 installment, 0.7% for the 8th installment, and 0.72% for the 24th installment (charged monthly).
How much is the cash installment fee for Agricultural Bank credit card? How to calculate the handling fee?
Nowadays, many people will handle cash installment business when funds are insufficient. The so-called cash installment actually means that the cardholder applies to convert the amount in the card into cash, transfer it to the designated debit card, and then repay it in installments. The cash installment rules of different banks may be different. Then, how much is the cash installment fee of ABC credit card? How to calculate the handling fee?
How much is the cash installment fee for Agricultural Bank credit card?
China Agricultural Bank credit card cash installment can be divided into four types: 3, 6, 9 and 12. For different periods, their respective installment fee rates are also different.
For example, the handling fee rate of the third installment is 0, while the handling fee rates of the sixth installment, the ninth installment and the 12 installment are all 0. On September 30th, 20 18, the cash installment of the credit card of the Agricultural Bank of China will be handled, with a handling fee discount of 3. If you use credit currency for cash installment, the handling fee will be discounted on February 3 18.
If the cash installment fee of Agricultural Bank credit card is charged monthly, the installment fee = total installment amount × corresponding installment fee rate. For example, if I divide 2000 yuan into three phases, then the handling fee required for each phase =2000× yuan.
The above is the Agricultural Bank credit card cash installment fee? How to calculate the handling fee? "the answer. China Agricultural Bank credit card cash installment fee will change according to the number of installments. In the case of cash installment in Agricultural Bank of China, there are often discounts, and the handling fee rate is not very high, which is quite cost-effective.
How much is the installment fee for credit card consumption of Agricultural Bank of China? How much is the handling fee?
Nowadays, people often use credit cards to spend money, and many people like to pay by installments when making transaction payments. Therefore, many people will handle the consumption installment business. Every bank has a consumption installment business, and a handling fee is required for consumption installment. Someone asked: What is the installment fee for credit card consumption of Agricultural Bank of China? And how to charge the handling fee?
How much is the installment fee for credit card consumption of Agricultural Bank of China?
The installment fee for credit card consumption of Agricultural Bank of China is related to the consumption transaction amount. The greater the consumption amount, the more the handling fee will naturally be. Its handling fee rate is 0.6%. Regardless of the number of installments, the handling fee rate is 0.6% of the installment principal.
How to charge the installment fee for credit card consumption of Agricultural Bank of China?
If you want to apply for credit card consumption installment of China Agricultural Bank, you can choose 5 installments, including 3 installments, 6 installments, 9 installments, 12 installments and 24 installments, once a month. Moreover, its handling fee is charged in installments and monthly. In other words, you need to pay the monthly installment principal and handling fee together.
For example, if I pay 6000 yuan in six installments, then the principal I need to pay each installment is 1000 yuan, and the handling fee I need to pay each installment is =6000× yuan. So I have to pay a total of 1036 yuan per issue.
How much is the installment fee for credit card consumption of Agricultural Bank of China? How much is the handling fee? "The answer. China Agricultural Bank credit card consumption installment fee is charged by monthly installment. After the installment, the installment principal and handling fee of the current period will be paid monthly. Moreover, its handling fee rate per period is 0, so the greater your consumption amount, the more handling fee.
How much is the installment fee for ABC's credit card bill? Submit calculation formula
In order to provide cardholders with diversified repayment methods, all bank credit cards have bill installment business, and Agricultural Bank is no exception. As we all know, credit card bills will be charged in installments. Then, what is the installment fee for the credit card bill of ABC? How to calculate the handling fee? And learn more about it.
Agricultural Bank of China credit card bill installment refers to the business that cardholders can repay in installments after the credit card bill date. The bank statement installment business of the Credit Card Center of the Agricultural Bank of China provides 5 installments, namely, 3 installments, 6 installments, 9 installments, 12 installments and 24 installments, with the benchmark fee rate for each installment. Cardholders can choose the installment amount and number according to their repayment ability and handling fee tolerance.
The calculation formula of installment fee for ABC's credit card bill is: total fee = installment fee rate and total number of installments.
If cardholder Xiaobai's ABC credit card bill this month is 20,000 yuan, and Xiaobai applies to pay off 65,438+0,000 yuan in six installments, the total handling fee for this bill by installments is 65,438+0,000 yuan.
If the installment amount of ABC's credit card bill is large and the number of installments is long, the cardholder needs to bear higher processing fees. In order not to increase the repayment pressure, it is suggested that cardholders reasonably divide the bill into installments, and it is best to calculate the installment fee before the installment to see if they can afford it.
How to calculate the credit card installment interest of China Agricultural Bank?
The installment interest of Agricultural Bank of China depends on your installment amount, and the handling fee for bill installment, consumption installment and merchant installment is about 0.6% of the installment principal, which will be collected on schedule.
Cash installment is a one-time charge, and the handling fee = 0.7% of the installment principal. For example, if the credit card bill is 65,438+00,000 yuan and you apply for repayment in three installments, the total interest will be 65,438+000,000.6% 3 = 65,438+080 yuan.
If the credit card is overdue, there will be a penalty interest, full interest, and the daily interest rate will be five ten thousandths. For example, if your credit card is overdue for 5,000 yuan and the overdue days are 30 days, then the penalty interest is 5,000× 0.05 %× 30 = 75 yuan.
In addition, in addition to interest, there will be liquidated damages after the deadline, and different banks have different charging standards for liquidated damages. Generally speaking, most banks charge a penalty of 5% of the minimum unpaid amount.
We know that overdue is an act of dishonesty. Once the credit card is overdue, the bank will report the overdue record to the central bank's personal credit report, and the overdue record will be kept in the personal credit report for five years. During this period, applying for a bank loan may encounter high interest rate and small amount, or even the loan application is directly rejected by the bank.
At present, credit reports are mainly used for various consumer credit businesses of banks. With the continuous improvement of the social credit system, credit reports will be more widely used in commercial credit sales, credit transactions, recruitment and job hunting and other fields. In addition, the personal credit report also provides a way for inquirers to review and standardize their own credit history behavior, and forms a verification mechanism of personal credit information.
In addition, for those who are particularly overdue, their travel will also be affected. They can't spend money by plane, high-speed rail, hotel or mobile phone, and their children can't go to key schools, so it's hard to break their promises.
Credit card arrears are protected by law. If the cardholder maliciously overdraws and fails to pay it back within the time limit, he is suspected of committing a credit card crime and will be punished by law and face jail. The punishment depends on the overdue situation. The more serious the circumstances, the heavier the punishment. Those who are particularly overdue may even be sentenced.
In order to reduce losses, banks generally reduce the credit card limit of cardholders, or even directly seal the cards. Once the credit card limit is lowered or blocked, it is difficult to cancel or unblock it. If you use a credit card, you must repay it on time. Overdue behavior is not desirable. Don't try the law, don't take chances, or the consequences will be very serious.
This concludes the introduction of how to calculate the credit card installment fee of China Agricultural Bank and China Agricultural Bank. I wonder if you have found the information you need?