CITIC Credit CardLoan advice contact customer service,CITIC Bank Credit CardThe loan does not charge interest, and does not even charge management fees. However, this loan is not free, because CITIC Bank credit card loans charge a fee, but the handling rate is very low, only 0.85% per month.
CITIC BankCredit card loanThe cost is calculated as:
Monthly handling fee = total loan amount X 0.85%
Total repayment (monthly) = principal / period + monthly fee
Total handling fee (total) = total loan amount X installment period X0.85%
According to the monthly fee of 0.85%, if you borrow 10,000 yuan and pay 12 times, then the fee to be repaid is:
Monthly handling fee: 10,000*0.85%=85
Total repayment (monthly) = principal / period + monthly fee = 10,000 / 12 + 85 = 918.33
Total handling fee (total) = 10,000 * 12 * 0.85% = 1020
In other words, 10,000 yuan for one year, the total handling fee is 1020 yuan, and the annual interest rate is about 10.2%. ComparedCredit card withdrawalThe annual interest rate of 18%, CITIC Bank credit card loan rate is lower.
Rong 360 enthusiastic friendsAnswered on 2017-11-02