Some netizens consulted that they spent 6.5438+0 million yuan on Industrial Credit Card, but they were unable to repay it. They want to pay in installments to ease the pressure of repayment, but they don't know how much each installment will cost. I don't think this is actually difficult. As long as you find an installment calculator, you can accurately calculate the repayment amount and handling fee of each installment. Let's have a look.
Bill installment is a product of Industrial Bank for credit card holders to repay in installments. Cardholders can flexibly choose the number of installment repayment periods according to their own financial situation. However, the installment of Industrial Credit Card bill cannot be divided if you want, and the following conditions must be met:
1. Application amount: the minimum installment amount of the cardholder's current bill is RMB 100 yuan, and the minimum installment amount of the dollar bill is USD 100 yuan.
2. Application time: The cardholder must apply for the bill installment business after the current bill date and before 1 7: 00 (excluding the due repayment date) of each natural day.
The number of periods that Industrial Credit Card can apply for is 3, 6, 12, 18, 24 and 36, and the corresponding handling fees are shown in the following figure:
Take Industrial Credit Card bill 10000 divided into 12 installments as an example, select the installment bank, installment type, installment amount and installment number on the calculator, and click to calculate that the repayment principal of each installment is RMB, the total handling fee is 900 yuan, and the repayment handling fee of each installment is 75 yuan, and each installment should be RMB.
If you feel uncertain, you can calculate by yourself according to the following formula:
1, repayment principal of each installment = installment amount/installment number = 10000/ 12= yuan.
2. Handling fee per period = amount per period and handling fee rate = 10000 yuan.
3. Total repayment amount per installment = repayment principal per installment = handling fee per installment.
4. Total handling fee = installment amount, handling fee rate and number of installments = 10000 yuan.
As a reminder, when you apply for installment, you should also know whether you need to pay the handling fee in one lump sum or collect it in installments. It should be understood that no matter which payment method you choose, as long as you choose the number of installments, the handling fee is unchangeable, and even if you repay in advance, the handling fee is indispensable.
Credit card installment calculator of China Merchants Bank: 10000 yuan 12 installment fee.
Some netizens inquired that 1000 was swiped with China Merchants Bank's credit card, but the repayment was under pressure. They wanted to repay 12 installments and asked how much the handling fee was and how much each installment was. On this issue, I will introduce you to a credit card installment calculator. With it, you can know all about any expenses related to installment payment.
Credit card bill installment is a service provided by China Merchants Bank for eligible cardholders to repay the current credit card bill in installments. Although it can alleviate the repayment pressure of cardholders, it can be phased out if you want. To handle bill installment payment, you must meet the following conditions:
For the installment payment of RMB bills, the minimum application amount shall not be less than 300 yuan RMB each time; For the installment payment of USD bills, the minimum application amount shall not be less than USD 65,438+000 each time.
1. For unbilled transactions, you can apply for installment payment between the transaction date and the billing date of the corresponding bill.
2. For the bill that has been issued, you can apply for installment from the day after the bill date to the due repayment date (for customers with automatic repayment in the account, the deadline for application is due repayment date 17: 00).
The credit card installment of China Merchants Bank can be divided into 2 installments, 3 installments, 6 installments, 10 installment, 12 installment, 18 installment and 24 installments, and the corresponding handling fees for each installment are,,,,,, and. Only two issues, three issues and six issues. Among them, the second phase can only be applied through our mobile banking and pocket life channels.
Take China Merchants Bank's credit card bill 10000 yuan as an example. Select the installment bank, installment type, installment amount and installment number on the calculator, and click Calculate to get the repayment principal, handling fee, total handling fee and total repayment amount of RMB in each installment.
If you feel uncertain, you can calculate by yourself according to the following formula:
1, repayment principal of each installment = installment amount/installment number = 10000/ 12= yuan.
2. Handling fee per period = amount per period and handling fee rate = 10000 yuan.
3. Total repayment amount per installment = repayment principal per installment = handling fee per installment.
4. Total handling fee = installment amount, handling fee rate and number of installments = 10000 yuan.
China Merchants Bank credit card installment calculator: 5,000 yuan for 3 periods.
Due to an emergency, it took a lot of money, but the bill was not paid. Many friends may have such distress. In fact, don't worry, because the installment of bills can relieve your repayment pressure very well. Then, the credit card consumption of China Merchants Bank is 5,000 yuan. How much handling fee and principal do you need to pay in three phases? Let's do it with a calculator.
I. Introduction to Installment Payment of Credit Card Bill of China Merchants Bank
Credit card bill installment payment is a kind of credit card installment payment, which means that the credit card holder asks the credit card center to return the consumption amount to China Merchants Bank in installments after using the credit card.
Installment payment of credit card bill is the simplest installment payment method. You only need to call China Merchants Bank Credit Card Center or log in to personal online banking to apply for installment payment during the period from credit card consumption to due repayment date. Generally, as long as there is no bad personal credit record, you can get approval.
Second, China Merchants Bank credit card billing installment rules
1. Application amount: The minimum application amount is 300 yuan RMB, and the maximum application amount does not exceed 95% of the total RMB consumption in the billed bill.
2. Application time: the day after the bill date to the final repayment date.
3. Application method: You can apply online, or by SMS or telephone.
4. Number of periods and commission rate:
Note: handling fee = the handling fee rate of the total installment amount, which is recorded and collected in one lump sum on the first billing day after installment.
For example, Xiaoya, a card friend, had a bill of 5,000 yuan in April, and felt that repayment was under pressure, so he called the Credit Card Center of China Merchants Bank to apply for the installment of the three-phase bill, and the application was approved.
Installment amount that can be handled: 5000×95%=4750 yuan.
For the last repayment, you only need to pay 250 yuan (the bill is divided into stages successfully, and the total repayment amount is 5,000-4,700 yuan).
Repayment principal of each installment: 4750÷3= Yuan.
The repayment for each installment is: 4750÷34750× yuan.
Bank of Communications credit card installment calculator: 5,000 yuan, 6 installments.
A card friend inquired that his bank of communications credit card bill in April was 5,000 yuan, but there was no way to repay it in full, so he wanted to pay it back in six installments and asked how much principal and handling fee he had to pay back each installment. I found an installment calculator to calculate, and the card friend said it was acceptable. Let's have a look.
Bank of Communications credit card bill installment payment is the installment payment service provided by Bank of Communications Credit Card Center for eligible cardholders.
Bank of Communications credit card bill installment rules:
1. Application time: 2 days after the transaction date to 3 days after the due repayment.
2. Application amount: the single card consumption of Bank of Communications Pacific Credit Card reaches RMB 65,438+0, 500 yuan or US$ 65,438+0,000 (the single card consumption of Bank of Communications Y-POWER Credit Card reaches RMB 500 yuan or US$ 60).
3. Number of installments and handling fee rate: The installment payment of bills can be divided into 3 months, 6 months, 9 months, 12 months, 18 months and 24 months. The monthly handling fee rate is, and the application method can be applied through the customer service phone of Bank of Communications Credit Card Center or online banking.
For example, Xiaowu's billing date is 15 every month. After the bill is paid on April 15, the total bill payable for the current period is 5,000 yuan. Xiao Wu feels that the repayment pressure is a little high. On April 25th, he logged into Bank of Communications Credit Card Online Banking and applied for the installment payment of these six bills. The application was approved.
Total handling fee: 5000× yuan.
The repayment for each installment is: 5000÷6432÷6= Yuan.
Handling fee standard: bills above 20,000 yuan will be collected by stages; The bill is charged at a time of 20,000 yuan or less.
This concludes the introduction of credit card installment fee calculator and installment fee real interest rate calculator. I wonder if you have found the information you need from them?