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Credit card to be careful, a number of bank credit card installment fees rose
Editor: Wu YueSource: melt 360 originalDate: 2013-05-28

Summary:

In February this year, the Development and Reform Commission lowered the bank card fee, bank credit card business income greatly reduced, in order to make up for credit card credit card fee reductions, a number of banks have begun to increase the credit card installment fee, but most cardholder Do not

In February this year, the Development and Reform Commission lowered the bank card fee, bank credit card business income greatly reduced, in order to make up for business credit card credit card charges down the loss caused by a number of banks have begun to increaseCredit card stagingPayment fee, but the majority of cardholders are still not informed, the use of installment of consumers to credit card credit card fees for the loss of the bill.

It is understood that this year on February 25, POS machine business card fee officially reduced 23% to 24%, of which catering and entertainment business down as high as 37.5%. So many banks have raised the installment fee. From April 1,Everbright BankAdjust the number and rate of credit on the credit card "IN" loan. Which account for 6 and 9 repayment, before and after the processing rate difference between the larger. Such as the 6 repayment, the handling rate from the previous 3.8% to 4.6%; 9 repayment, the handling rate from 5.5% to 6.4%. That is to say, assuming that the public for the bank's 100,000 yuan credit card business, divided into nine repayment, the adjustment fee will be more 900 yuan.

State-owned big line is no exception.Construction BankSaid the current implementation of the credit card fee concessions on April 15 to stop, and on May 8 from the adjustment. Contrast adjustment before and after the handling rate to 6 times, for example, such as the total amount of more than 80,000 yuan, the current total amount of only 0.56% of the fee charged, but after adjustment, each charge will be charged The total amount of 0.7%.

The bank's credit card installment fee rate is very different. To credit card single consumption of 10,000 yuan, for example, such as sub-12 repayment, the lowest rate of 4.48%, and the highest rate of 8.5% or more, the difference exceeds 400 yuan. It is reported that the credit card installment fee rate standards by the banks themselves, and there is no uniform standard, so the rate of difference between the larger, recommended the public "shop around."

In this need to remind everyone that a number of banks claim credit card installment without interest, not to say that there is no cost, consumers still have to pay the fee. Therefore, the cardholder is best based on their actual situation carefully choose whether to use credit card installments.

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