来源:我爱卡 小编:李凯旋 发布时间:2013年11月22日
内容导读: 招商银行信用卡分期付款手续费如何收取的?信用卡分期付款范围拓宽,方便之余各位卡友也不要忘记把手续费计算清楚。计算好了手续费才能避免在使用分期付款业务时花不必要的钱。
China Merchants Bank credit card payment fee stage
China Merchants Bank credit card payment fees collected? Credit card payment scope, convenience you card friend also don't forget to bring charges calculated. Calculation of the fees in order to avoid spend unnecessary money payment business in use.
Installment of "zero Shoufu zero interest", but not zero fee.
At present, a bank's internal investigation report shows, consumption has great potential of 68% college students and 76.2% white-collar companies on the installment payment of interest, and are willing to try. Credit card payment is increasingly popular, and many banks have widened the scope of credit card payments, from the "designated merchants" to open businesses and commodities. Now the installments have made "zero Shoufu zero interest" banner, but the charges or calculate the clear.
Early termination payment: pay a fee will not be refunded
Although all roll out instalment of banks are removed from the credit card overdraft fees, but fees are not exempt from the stage. Reportedly, the bank consumer instalment business on a monthly fee to customers monthly charge, fee rates are slightly different.
According to the monthly fee for 0.6% as an example, a year total fee rates of 7.2%, 1 percentage points higher than the current 1 year lending rate 6.12%. In addition, if compared with the ordinary disposable overdraft consumption, such as not timely repayment, interest free period, interest rates need to pay 5/10000 (equivalent to an annual rate of 18%), the installment is more obvious than many.
Notable is, if the cardholder to successfully apply for instalment then, or purchase of goods in return, and the need to terminate the installment, has been paid to the bank is not refundable fee. In the first case, the cardholder can apply for ahead of the end of installment payment, not only can not refund has been paid fees, must also be in the next before the repayment of the amount of goods and one-time remaining the fees are paid.
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