Specifically, the installment fee calculation of ICBC credit cards can follow the following points:
1. Number of installments: First, determine the number of installments, that is, divide the consumption amount into several installments for repayment.
2. Fee ratio: According to the regulations of ICBC, each installment number corresponds to a fee ratio. Generally speaking, the longer the number of installments, the higher the handling fee ratio.
3. Consumption amount: divide the consumption amount according to the number of installments, and calculate the handling fee for each installment according to the handling fee ratio.
Give a concrete example to illustrate:
Suppose there is a shopping, the consumption amount is 10000 yuan, and I want to repay it in 12 installments.
According to the regulations of China Industrial and Commercial Bank, the handling fee ratio of 12 is 1.3%.
Then according to this ratio, the handling fee for each period is 10000 yuan × 1.3% = 130 yuan.
Therefore, the total cost of each period is the sum of the costs of each period, that is, 130 yuan×12 = 1560 yuan.
To sum up, the installment fee of industrial and commercial credit cards is calculated according to the number of installments and the proportion of fees. The longer the number of installments, the higher the handling fee ratio. The consumption amount is divided into corresponding periods, and the handling fee for each period is calculated according to the handling fee ratio. Finally, add up the cost of each period to get the total cost amount.
Extended data:
For the specific installment fee ratio and term limit of ICBC credit cards, you can consult the official channels of ICBC or credit card service outlets to obtain the most accurate information.
Based on the above information, we can calculate the handling fee for installment payment of industrial and commercial credit cards. I hope the above answers are helpful to you. If you need further information, I suggest you consult ICBC or related professionals.