Postal bank credit card installment payment

How much should the postal credit card pay back every month for two years (that is, 24 periods)?

The installment rate of postal credit card is 0.6%, and the handling fee for each installment = 500,000.6% = the principal payable for each installment in 300 yuan = 50,000/24 = 2083.33 yuan = 3002,083.33 yuan = 2383.33 yuan.

0.6% for 24 installments, and monthly repayment = 25,000/24,250,000.6% =1191yuan. Postal savings bank credit card installment amount bottom line:

1. Single installment: the single consumption amount is above 500 yuan.

2. Bill installment: the difference between the balance of the bill in the previous period and the minimum repayment amount is full in 800 yuan, that is, the amount of the bill payable minus the minimum repayment amount is greater than or equal to 800 yuan. Handling fee collection method: the proportion of handling fee for each period: 0.6% for the third period, 0.6% for the sixth period, 0.6% for 12 period, 0.6% for 18 period and 0.6% for the 24th period. Provisions on early repayment: there is no handling fee for early repayment. Application method: Call the credit card customer service hotline or log in to the online bank to apply. Time: The single installment should be made after the consumer transaction is recorded, and the application for installment of bill should be made from the day after the bill date to four days before the due repayment date.

How to operate the credit card bill installment SMS of Postal Savings Bank?

Operation method of credit card bill installment SMS in Postal Savings Bank: \ \ 1. Transaction Staging: When the cardholder handles the transaction through SMS of Postal Savings Bank, he/she needs to send the designated code "FQJY# # Last Four Numbers of Amount # Period" to 95580 for processing, and 95580 will immediately reply to inform whether the application is successful or not. \ Transaction Staging: the initial amount of a single transaction applying for transaction staging is 500 yuan (inclusive); A single transaction can only be converted into installments in full, and you cannot choose to convert part of the amount of a single transaction into installments; \ 2. Bill installment: When the cardholder handles the bill through SMS of Postal Savings Bank, he needs to send the designated code "FQZD# # amount # last four digits of the installment number" to 95580 for processing, and 95580 will immediately reply to the downlink SMS to inform whether the application is successful or not. \ Bill installment: the starting amount of applying for bill installment is that the bill consumption amount of the previous period is greater than or equal to 800 yuan (inclusive), and the maximum amount does not exceed the balance of the previous period; The non-consumption amount that has been included in the minimum repayment amount cannot be phased; \ 3. Number of application periods: \ Postal Savings Bank provides three periods, six periods, 12 periods, 18 periods and 24 periods in five periods, each period 1 month. Cardholders who apply for transaction installment and bill installment can freely choose the number of the above five installments; Cardholders who apply for merchant installment and electricity sales installment can freely choose according to the number of installments provided by merchants.

How to handle postal installment payment?

The credit card installment application methods of China Postal Savings Bank mainly include the following \r\n 1. When applying for online banking of Postal Savings Bank \ r \ cardholders need to log in to personal online banking of Postal Savings Bank of China and select a credit card to apply for transaction installment. After the application is successful, the page displays detailed information such as the number of installments, installment fees, repayment and so on. \r\n2。 Mobile Banking Application of Postal Savings Bank \ r \ After downloading the mobile client of Postal Savings Bank, the cardholder logs in to the mobile banking of Postal Savings Bank, selects a credit card, then selects the credit card to apply for transaction installment, then selects the installment amount and number of installments, and submits the application. \r\n3. Manual service of credit card customer service hotline of Postal Savings Bank \ r \ Cardholders can call the hotline of credit card customer service of Postal Savings Bank and then transfer to manual service. When applying, they must inform the customer service staff of the transaction details of applying for installment payment, including the transaction time, transaction place, transaction amount, application period, etc., and the customer service staff will immediately inform the successful acceptance result. \ r \ For more information about how to handle postal installment payment, please go to: See More.

I used my postal credit card to swipe 10000, and I have to pay back 12 or 24 issues every month. How much is the interest?

I swiped 10000 yuan with a postal credit card in 12 installments, and each installment should be paid back:10000/1210000/120.6% = 838.33 yuan.

24 installments per installment:10000/2410000/240.6% = 419.17 yuan.

Provisions on credit card installment of China Postal Bank:

1. The Postal Savings Bank provides the number of five issues, namely, 3, 6, 12, 18, and 24, and the Golden Leaf Card product provides two additional issues, each of which is 1 month. Cardholders who apply for transaction installment and bill installment can freely choose the number of the above five installments; Cardholders who apply for merchant staging can freely choose according to the number of staging provided by merchants.

2. Installment fee pricing and collection: transaction installment fee and bill installment fee are charged on a monthly basis, regardless of the application amount, and 0.3%-0.85% of the total installment principal is charged for each installment. Handling fee rate: 0.6% of the total installment principal/period, which will be collected on schedule. For details, please call the credit card customer service hotline at 40088-95580.

Extended data

China Post Bank has a low threshold for applying for credit card installment, and a single transaction of "transaction installment" can be applied when it reaches 500 yuan; The proportion of handling fees does not increase with the increase of installment times, and it is not necessary to pay in one lump sum when applying for installment, but to collect them in installments, thus reducing the pressure on users to repay in the first installment.

Postal credit cards can be applied by calling the credit card customer service hotline 40088-95580 or through personal online banking, mobile banking, uplink SMS and micro-banking of Postal Savings Bank.

Cancel the transaction by installment and bill installment, and charge the cancellation fee to 20 yuan; There is no account cancellation fee for merchant installment, telemarketing commodity installment and online banking merchant installment. There is no extra prepayment fee for prepayment, but the cardholder has to pay the formalities fee for undistributed principal.