CITIC credit cardLoan advice contact customer service,CITIC Bank credit cardLoans do not charge interest, and even do not charge management fees. However, the loan is not free because China Credit Bank lends a credit card fee, but the fee rate is very low, only 0.85% per month.
CITIC BankCredit card loansThe cost is calculated as:
Monthly fee = total loan amount X 0.85%
Repayment (monthly) = principal / period + monthly fee
Total Fees (Total) = Total Loan Amount X Installments Payback Period X0.85%
In accordance with the fee rate of 0.85% per month charge for the situation, if borrowed 10,000 yuan, divided into 12 still, then, need to repay the cost:
Monthly fee: 10,000 * 0.85% = 85
Total repayment (monthly) = principal / period + monthly fee = 10,000 / 12 + 85 = 918.33
Total fee (total) = 10,000 * 12 * 0.85% = 1020
In other words, 1 million by 1 year, the total fee is 1020 yuan, the annual interest rate of about 10.2%. ComparedCredit card cash withdrawal18% annual interest rate, CITIC Bank credit card loan rates lower.
360 enthusiastic usersAnswered on 2017-11-02