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GF credit card installment payment in advance

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

In fact,GF credit cardThe interest-free installment repayment service provides users with four periods, namely: 6 months, 12 months, 18 months, and 24 months; the fee standard is calculated according to the application principal, and the corresponding fee for the period is specified. It is: 0.65%, 0.65%, 0.7%, and 0.72%. GuangfaCredit card stagingThe principle of payment of repayment fee: (1) the principle of monthly collection fee is charged on a monthly basis; (2) if the installment payment is repaid in advance, the fee for the remaining period of unpaid period will be charged once in advance; (3) GF credit card installment repayment can be repaid in advance, if you call in advance repaymentGuangfa Bank Credit Card CenterIf you make a record, you only need to pay more than one installment payment fee to avoid the later handling fee. When you are in the process of staging, you still need to know whether you need to pay a one-time payment fee or collect it in installments. What you need to understand is that, regardless of the payment method, no matter which payment method you choose, you only need to select the period. Can't change, even if you pay back in advance, the handling fee is not too small. After the installment, even if there is early repayment ability, the installment cost cannot be reduced.

In recent years, various banks have launched credit card installment payments. This business model allows customers to apply for credit card instalments after they have used credit card spending to reduce the pressure on one-time repayment. There are two main types of installment payment: one is the billing period, that is, the customer applies for the total amount of consumption in the billing cycle; the other is the single installment application for installment payment. Two installment payments generally require customers to call before the billing statement. Banks are keen to push credit card installment payments because they can charge a fee. Although the bank does not charge interest, it is replaced by a handling fee, and the handling rate is linked to the term. Usually, the shorter the term, the higher the handling rate. According to industry insiders, the previous one-time fee collection is required to be paid in advance when applying for processing. The credit card installment payment fee is obviously beneficial to the customer, but the prepayment is still required to pay the remaining fee. The humanization measures have been discounted. At present, other credit businesses such as mortgages do not have similar regulations. Banks only charge one month's interest as a penalty for customers who pay in advance.

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