1. Cardholders only need to apply to the bank for installment repayment after the bill date. There are many staging options, such as cash staging and free staging. Cash installment mainly refers to the installment of withdrawal quota application, and free installment refers to the installment of statement.
2. Credit card installment can be repaid in advance, but you need to contact customer service in advance to terminate the installment. If you don't apply for termination of installment, the remaining installment amount will not be recorded in one lump sum, and it will still occupy the amount in the card, and the money deposited is only equivalent to the deposit.
How to repay the credit card in installments?
If you want to pay by installment, you can choose to pay by installment when you pay, or you can choose to pay by installment when you repay after paying in full. When the user chooses to pay by installment, the number of installments will be set on the payment page, and the user only needs to swipe his card. Since it has been paid in full, the user can choose to pay the bill in installments, so that he can repay it in installments.
In fact, installment payment and installment repayment are essentially credit card installments, and the effect is that users can repay in installments, and users can choose any installment method.
Credit cards can be divided into 36 periods at the longest, and most banks can be divided into 24 periods at the longest. After credit card installment, you need to pay installment fee. Although the monthly repayment pressure is reduced, the total repayment amount is increased. And often handle the installment business, which is also a manifestation of the poor economic situation of users. In fact, this is not conducive to repayment.
Some users think that banks can charge more for installment business and are more willing to increase the credit card limit. This understanding is wrong. Banks give users credit cards with reference to their credit information, repayment ability and credit card usage.
There are many loan platforms in the market, and people can apply for borrowing money. Each loan platform has its own characteristics and audience. If we want to make statistics and ranking on these loan platforms, it is indeed a relatively huge project. It took a few days to take stock of the top ten conscience loan platforms for everyone, with a maximum loan of 500,000. Let's have a look!
Du xiaoman
Xiaoman is a small loan product under Baidu Finance. Hold the financial license issued by China Banking and Insurance Regulatory Commission, and have the qualification of private lending. Users can choose their own loan products at will, and then make loans. The minimum daily interest rate for Xiaoman is 0.02%. Click online to apply for a maximum of 200,000! Online operation in the whole process, supporting borrowing and returning.
How to repay the credit card of CCB after installment?
There are two ways for CCB credit card users to stop paying off all debts in advance after installment payment:
1. Call customer service number 95533 to apply for early termination, but you need to pay off all the remaining debts and pay the handling fee for each period before termination.
2. Log in to the Construction Bank APP, enter the installment credit card, and then click "Repay for yourself". Select all the installment bills on the next page and click "Pay All". The handling fee generated by installment also needs to be deducted.
Credit card characteristics
Cash advance deposit is not encouraged. You can enjoy an interest-free repayment period and can repay in installments (minimum repayment amount). Join VISA, MasterCard, JCB and other international credit card organizations, which are universal.
It is one of the fastest-growing financial services, and it can replace the traditional cash circulation in a certain range.
It has two functions: payment and credit. Cardholders can use it to buy goods or enjoy services, and they can also use credit cards to obtain certain loans from card issuers.
It is a high-tech product integrating financial business and computer technology.
Can reduce the use of cash currency.
It can provide settlement services, facilitate shopping and consumption, and enhance the sense of security.
It can simplify the collection procedure and save social labor.
Can promote commodity sales and social needs.
Credit card repayment method
In the issuing bank, this method includes: issuing bank counter, ATM, online banking, automatic transfer, telephone banking repayment, etc. The credit card limit will be restored immediately after repayment, and the money will generally be recorded after being processed by the system on the same day.
Weizhong Bank POS mobile phone Weizhong Bank POS mobile phone is a personal payment terminal of mobile financial system, which can be used for direct repayment and transfer of credit cards. Arrive immediately!
Transfer/remittance repayment is mainly divided into two ways: inter-bank in the same city and inter-bank in different places. Whether it is transfer or remittance, the remittance bank will charge a certain fee, and the payment time and repayment convenience are not as good as those of peers, online repayment and convenience stores.
Common online platforms for online repayment in China include UnionPay Online, Kuaiqian, Shengfutong, Alipay and Tenpay. Choose different platforms and banks, and the charging standards and specific arrival time are different.
Convenience store repayment is mainly completed through the "Lacarra" smart payment terminal installed in the convenience store. Generally, it will arrive in 2~3 working days, and there is no handling fee for repayment in this way.
Counter repayment refers to the bank card issued by various networked financial institutions, and the RMB current deposit and withdrawal transactions are conducted through the counters of other bank outlets registered in the host system of UnionPay Trading Center.
Xinfutong Repayment "Xinfutong" smart credit card phone is an innovative electronic product independently developed by China UnionPay, certified by the Bank Card Testing Center and supported by the financial services provided by China UnionPay's inter-bank information exchange network.
Repayment Pass uses "Repayment Pass" for repayment, and generally charges fees according to the charging standards for inter-bank transfer in the same city and inter-bank remittance in different places stipulated by the local people's bank.
In addition to the above methods, the issuing bank has also opened its own repayment methods in order to facilitate the cardholder's repayment.
How to repay the credit card in installments?
Credit cards can be paid in installments.
The general 1 year credit card installment fee 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.
Suppose the installment amount is 1, 200 yuan, divided into 12 installments, and each installment (month) repays 1 0,000 yuan, and the handling fee is 0.6%/ month. The actual monthly deduction is 1 006,5438+0,200×. 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.
Extended data
Minimum repayment amount of credit card installment:
① It means that if the cardholder has difficulty in repaying all the payables before the due repayment date (inclusive), he can make repayment according to the minimum repayment amount stipulated by the issuing bank;
2 but you can't enjoy the interest-free repayment period;
③ The minimum repayment amount is 65438+ 00% of consumption amount plus other payables;
④ The minimum repayment amount is listed on the current bill;
⑤ Minimum repayment amount = 65,438+00% of the unpaid consumption amount within the credit line, 65,438+000% of the cash advance transaction amount, and the unpaid part of the previous minimum repayment amount exceeds 65,438+000% of the expenses and interest of the consumption amount within the credit line.