Bank of Nanjing Xin installment card 85000 points 65438+7083.33 yuan every February. 85000 divided by 12 months equals 7083.33 yuan per month.
How to repay the credit card of Nanjing Bank in installments? Pay attention to these things
Bank of Nanjing added installment credit cards with a maximum amount of 300,000 yuan. After the application, you can lend it to a debit card provided in your own name for personal consumption purposes such as traveling, going abroad and buying a car, and then repay it on time according to the agreement at the time of application. Today, I will briefly introduce Nanjing Bank's installment repayment of credit cards.
1. How to repay the installment credit card of Nanjing Bank?
Bank of Nanjing Xin installment card will issue a handling fee bill on the 20th of each month, and the handling fee will be returned 25 days after the billing date, and the principal and handling fee will be returned in one lump sum on the due date. There are many repayment channels. If you want to arrive at the account quickly and make repayment for free, you can make repayment through Bank of Nanjing mobile banking or personal online banking.
1. mobile banking: log in to mobile banking and enter the "All-Credit Card-Installment/Installment" menu on the home page.
2. Personal online banking: log in to personal online banking and enter the menu of "Credit Card"-"Credit Staging"-"I want to repay".
Second, can I pay in advance?
You can repay in advance, but there are conditions.
1. Pay attention to the time of prepayment: prepayment is not allowed on the day of installment, but only on the next day and after installment. The repayment amount is not limited, and it can be repaid in part or in full. If partial repayment is made in advance, it is necessary to repay the service fee and principal payable in the current period, including the unpaid amount of the bill and the installment principal service fee charged daily from the billing date to the prepayment date, and the remaining principal still bears interest at the daily rate.
2. Need to apply in advance: Call the service hotline of Nanjing Bank to apply, and the bank will calculate the prepayment amount according to the application, and then repay.
What's the difference between Bank of Nanjing Xin installment card and E loan?
There are two main differences between Bank of Nanjing Xin installment card and E loan:
1. Different application methods. Bank of Nanjing Xin installment card is a credit card of Bank of Nanjing, and customers can apply at the counter or website of Bank of Nanjing. E-loan is an online loan product, and customers need to apply on the online platform.
2. Different product features. Bank of Nanjing Xin installment card provides credit card service and installment repayment function. Customers can spend by credit card and choose to repay in installments. E-Lending provides online loan services, and customers can apply for loans through online platforms and repay them according to the agreed repayment method.
Xin failed to inquire by stages.
Nanjing bank loan review usually takes about 3 to 7 working days.
1, Nanjing Bank Xin installment card has a free period, but the cardholder must understand that the overdraft amount cannot enjoy the free repayment period. Applicants need to have a stable job and a stable source of income. They can apply for loans with social insurance, provident fund, credit cards, housing loans and housing loans.
2. The natural person aged 18 to 50 who applies for installment payment from Nanjing Bank has full capacity for civil conduct. Personal credit information is good, and the number of times to apply for credit information inquiry in the current month is no more than 5 times.
Do I have to return the Bank of Nanjing Xin installment card every year?
No, Nanjing Bank Xin installment card does not need to be returned every year, and it is valid for five years at a time. Xin installment credit card refers to the credit card issued by Nanjing Bank with the functions of daily statement, borrowing and returning. Xin installment card has a credit limit of 30,000-500,000 yuan, valid for five years, and can be recycled. Enjoy the exclusive service of our Platinum Card. The initial amount of Xin installment is 65,438 yuan +0,000 yuan (inclusive), with 65,438 yuan+0 yuan as the incremental unit, and the installment amount and balance shall not exceed the maximum credit line of Xin installment card. The minimum installment period of Shanbixin shall not be less than 7 days, and the longest installment period shall not exceed 365 days. The installment expiration date shall be within the validity period of the quota. Other expenses of the new installment card include card replacement fee, loss reporting fee, reading order fee and bill payment fee. The specific charging types and rates shall be implemented according to the standard of UnionPay Platinum Card published by the Bank.
It is cost-effective to use Nanjing Bank Xin installment card.
Yes Bank of Nanjing Xin installment card is an exclusive installment consumer product launched by Bank of Nanjing for credit card customers. After application, it can be used for tourism, going abroad, car purchase and other consumer purposes. It is cost-effective to use Nanjing Bank Xin installment card. Staging means dividing a whole into several parts.
That's all for the introduction of Xin installment credit card.