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Guangfa credit card installment repayment in advance

Time: 2016-12-06         Source: Rong 360 finishing         Author: 360 Financial consolidation

In fact,GF credit cardInterest-free installment business provides users with four periods, namely: 6 months, 12 months, 18 months, 24 months; fee based on the application fee calculation, the corresponding number of fees Was 0.65%, 0.65%, 0.7%, 0.72%. GFCredit card staging(2) If the advance payment of the installment, the unpaid amount of the remaining period of the fee will be paid in advance of a one-time charge; (3) the payment of the principle of payment, GF credit card installment repayment can be repaid in advance, in the early repayment, if the callGF Bank Credit Card CenterTo do the record, you only need to pay more than one installment fee, you can avoid the back of the fee. In the installment of the time, we also need to clear the need for a one-time payment fee, or install, you need to understand is that the question on the fee, no matter what kind of payment method, as long as the choice of the number of fees Can not change, even if the early repayment, the fee is also a point can not be less. After the installment, even if there is early repayment ability, can not reduce the cost of staging.

In recent years, banks have launched credit card installment business. The business model for customers with credit card spending, you can call the bank to apply for the amount of business in order to reduce the one-time repayment pressure. There are two main installments: one is the billing stage, that is, the customer in the bill period of the total amount of consumption to apply for installment; the other is a single consumption to apply for installments. The two installments typically require the customer to make a call before making a bill. Banks are keen to push credit card installment business in that they can charge a fee. Although the bank does not charge interest, but instead of the fee, and the handling rate and duration linked to the usual shorter deadline rate higher. Industry insiders said that after a one-time charge is more than a one-time payment in advance to apply for payment in advance, the credit card installment business fee payment method is clearly in favor of the customer, but the early repayment still need to pay the remaining fee way Humanization initiatives discounted. At present, other credit services such as mortgages and other similar provisions, the bank for the early repayment of customers only charge a month interest as liquidated damages.

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