Steps for installment repayment of Guangfa Credit Card:

1. After applying for installment payment, if the payment is paid off in advance, the credit line will be restored immediately, but the handling fee for the number of installments you have paid will be deducted.

2. That is to say, if you 1002 repays 1000 yuan, you will pay off 1000 yuan in the second month, but the installment payment you applied for has taken effect, so you must pay the handling fee of 12 months, except interest-free and fee-free.

In fact, the interest-free installment repayment service of Guangfa Credit Card provides users with four repayment periods, namely, 3 months, 6 months, 12 months, 18 months and 24 months.

Payment principle of installment repayment fee of Guangfa Credit Card:

1. Installment fee will be charged monthly;

2. In case of prepayment by installment, the unpaid handling fee for the remaining installments shall be collected in one lump sum at the time of prepayment;

3. The installment payment of Guangfa Credit Card can be repaid in advance. If you call the credit card center of Guangfa Bank in advance to make records, you only need to pay an additional installment fee, so you can avoid the subsequent fee.

First of all, there are many kinds of personal loans, which are only classified according to whether there is collateral or not, and are divided into mortgage loans and unsecured credit loans. The following is a brief analysis and explanation of these two loans:

1. Unsecured credit loan, which we refer to as credit loan for short, is a pure credit loan issued by the bank to individual customers solely based on the nature of the company, wages, social security accumulation fund, etc. There will also be a concept of consumer loans. Of course, there is no direct difference between these two concepts.

2. Mortgage loan, here mainly refers to housing mortgage loan, and of course there are also vehicle mortgage loans. I won't describe it in detail here. Mortgage loans are divided into mortgage commercial loans and mortgage consumer loans, and the amount of mortgage consumer loans generally does not exceed 1 10,000. Mortgage loan refers to the loan to use personal housing for company operation. As the name implies, a company is required to be established in the name of itself or immediate family members, including husband and wife, parents, children, brothers and sisters, etc. Mortgage can also be divided into primary mortgage and secondary mortgage, that is, mortgage is called secondary mortgage.

Is it true that Guangfa Credit Card WeChat program applies for prepayment?

This is not true. If users want to pay in advance, they need to pay in advance. However, when setting the repayment path, credit card repayment can be supported, and users can repay at any time as long as they have repaid before. Supported banks include: Bank of Communications, Bank of China, China Construction Bank (Minsheng Bank and Shanghai Bank), Guangfa Bank, Huaxia Bank, Postal Savings Bank and China Construction Bank.

How does Guangfa Credit Card repay in advance?

Users log in to find the wonderful APP, click Quick Repayment on the homepage, find the credit card that needs to be repaid in advance, select the credit card, and then enter the repayment amount to confirm the completion of payment. The prepayment of Guangfa Credit Card is completed. In addition, users can also prepay credit cards through bank counters, online banking, WeChat official accounts and self-service devices.

Remind everyone that the prepayment of Guangfa Credit Card will not generate additional expenses, and can be repaid according to the bill amount. In addition, the cardholder repays in full on the credit card repayment date, and does not bear any expenses.

Extended data

Guangfa Credit Card Center provides cardholders with various installment services such as consumption installment, bill installment, merchant installment, cash installment, and consumption postponement.

It is understood that the installment interest rate of Guangfa Credit Card will be comprehensively approved by the bank according to the cardholder's qualification, installment number and interest-bearing method. Taking the installment interest rate of Guangfa Credit Card as an example, the introduction is as follows:

1, divided into 6 periods, with the interest rate of 0.7% for each period and the total interest rate of 4.2%;

2. 12 installments, with an interest rate of 0.7% for each installment and a total interest rate of 8.4%;

3. 18 installments, with interest rate of 0.72% per installment and total interest rate of12.96%;

4.24 installments, with interest rate of 0.72% per installment and total interest rate of 17.28%.

Can the credit card of Guangfa Bank be repaid in advance by installments? Is the handling fee free?

When people use credit cards to make consumer transactions or pay off their credit card bills, they sometimes pay in installments to relieve the pressure. However, sometimes people want to pay in one lump sum after the installment. For example, someone who has handled the credit card "Yangyanghang" consumption installment of Guangfa Bank asked: Can the credit card "Yangyanghang" consumption installment of Guangfa Bank be repaid in advance? Is the handling fee free?

Can the credit card of Guangfa Bank be repaid in advance by installments?

The credit card "Yangyanghang" of Guangfa Bank can be repaid in advance in installments. If you want to pay in advance:

1. You can directly call the customer service phone number 95508 of Guangfa Bank, and then go to the manual service to ask the customer service staff to cancel this installment service.

2. You can also cancel this installment payment service in online banking or mobile banking of Guangfa Bank.

Is it free to pay the prepayment fee for the credit card "Yangyanghang" of Guangfa Bank?

If you have handled the "everything" consumption installment of Guangfa Bank's credit card. If the loan is repaid in advance, not only the remaining unpaid amount will be paid in one lump sum, but also the handling fee to be paid will not be reduced. It needs to be paid to the bank in one lump sum together with the outstanding principal.

Of course, if your handling fee has been paid in the first installment, then you only need to pay off the outstanding principal after prepayment.

The above is the "Everything" consumption installment of "Guangfa Bank Credit Card". Can I repay in advance? Is the handling fee free? " The answer. The credit card "Yangyanghang" can be repaid in installments, but the handling fee is inevitable. If you repay the handling fee in installments, the remaining unpaid handling fee will be paid to the bank together with the unpaid principal.

Can the credit card bill of Guangfa Bank be repaid in advance by installments? How much is the handling fee?

Many people will choose to pay off their credit card bills in installments when they are not finished for a while, and some people may want to settle in advance because they have enough funds, that is, repay in advance. Moreover, each bank has different regulations on prepayment. Then, can the credit card bill of Guangfa Bank be repaid in advance by installments? How much is the handling fee? I will answer your question today.

Can the credit card bill of Guangfa Bank be repaid in advance by installments?

The credit card bill of Guangfa Bank can be repaid in advance by installments. Just call the customer service hotline of Guangfa Bank at 95508 or 400-830-8003 to apply for prepayment. Then the remaining unpaid part can be paid in one lump sum.

Of course, you can also apply for prepayment through online banking or mobile banking of Guangfa Bank.

How to charge for prepayment of credit card bills of Guangfa Bank?

1. After your credit card bill of Guangfa Bank is repaid in advance by installments, if you pay the handling fee in one lump sum, the handling fee you paid will not be refunded, but there is no need to pay extra handling fee.

2. If you used to pay the handling fee by installments, the handling fee of 1 you have paid will not be refunded, and the remaining unpaid handling fees will not be reduced, and you are required to pay the remaining unpaid principal in one lump sum.

The above is about "Can the credit card bill of Guangfa Bank be repaid in advance by installments? How to charge the handling fee? " The answer. The credit card bill of Guangfa Bank can be repaid in advance by installments. If you don't repay in advance, your handling fee will not be refunded, and the unpaid handling fee can't be reduced. It must be paid in one lump sum.

So much for the introduction of how Guangfa Credit Card prepays.