All bank credit cards have corresponding cash installment (loan) business. What the customer needs is the interest/handling fee of the universal credit card. You'd better calculate this yourself before applying.
When applying for universal payment, Pudong Development Credit Card holders need to determine the "application amount" and "withdrawal days", which also determines the interest and handling fees that cardholders need to bear.
65,438+0. Universal line: 1 10,000 yuan to 300,000 yuan, subject to the bank's audit results, and cannot exceed the cash installment line;
2. Withdrawable days of universal fund: 1-99 days.
3. Universal Fund Interest: After the cardholder successfully handles it, interest will be calculated on a daily basis from the date of application, with the standard daily interest rate of 0.05%/ day, and the actual daily interest rate at the time of application is the highest.
4. General fees: Every time the cardholder applies, Shanghai Pudong Development Bank will charge a one-time fee of 65,438+00 yuan, which will be included in the application date.
If you need to prepay, you need to call the customer service hotline on the back of the credit card of Shanghai Pudong Development Bank or apply for prepayment penalty withdrawal through self-service channels such as official WeChat, and the interest will stop. In addition, after successfully applying for prepayment, the funds must be returned before 20 o'clock on the day of application.
How to apply for Pudong Development Credit Card Universal Fund? Flowchart of four main methods
How much is the interest/handling fee of Pufa Credit Card Universal Fund? It is speculated that the daily interest rate of five ten thousandths is equivalent to the annual interest rate 18. Abstinence days are short, but they are still worth introducing. Credit card application. How to calculate the interest of Shanghai Pudong Development Bank Universal Card?
Credit card interest: 1. If the credit card fails to repay in full on time, you will not be able to enjoy the interest-free period. Each consumption amount in the last statement is the interest-bearing principal, and the interest-bearing days are from the account bookkeeping date to the account repayment date, and the daily interest rate is 0.5 ‰ (full repayment is made in time according to the bill, and credit card consumption is interest-free). 2. For cash advance transactions conducted by credit card, interest will be charged at the daily rate of 0.5 ‰ from the date of cash advance to the date of settlement, and compound interest will be charged on a monthly basis. At the same time, a certain amount of cash advance fee will be charged according to the credit card charging standard of China Merchants Bank.
3. What is the interest of Pufa Universal Fund in 24000?
The debit card withdrawal limit of Pudong Universal Fund cardholders is 6,543,800 yuan, and there is no handling fee. You can choose two periods, which can be divided into six periods or 654.38+02 periods.
The interest rate of Pufa Universal Fund is 0.674%. If there is a one-year loan of 6,543,800 yuan+0,000 yuan, it needs to be repaid 67.4 yuan every month. You borrowed 24,000 yuan, which should be 1.6 1.76 per month for two years and 24 months.
The interest and principal of Pufa Universal Fund shall be calculated according to the equal principal and interest method. At the beginning, if the interest is much higher, the principal will be much higher later.
4. What is the interest rate of Pudong Universal Fund?
I believe the bank will be cheated. I borrowed 80,000 pounds in 36 installments. I paid 3500 yuan a month, and now I have paid 20 installments. I have no money to repay. The bank urged me that I still owe 60 thousand.