Near the Spring Festival, the demand for residents to add holiday items has increased, and the cost has gradually increased. Recently, a number of banks have actively lowered the credit card installment rate to attract customers.
However, in recent days, some media outlets have complained that the cardholders have not opened the instalment business, but they have been staged by the bank. Our reporter consulted a number of bank credit card centers to understand that full-time automatic staging is an option when the card is used. Under normal circumstances, the account manager of the card will explain the charging standard of the automatic staging business to the customer, and the customer chooses to open or Not open. If the bank believes that the customer's qualifications are good, it will also recommend the automatic staging business by telephone, and the customer needs to reply to the SMS before the business can be opened.
The automatic staging should be cautious. The so-called full-time automatic staging, that is, when the bills spent on each period reaches the agreed amount, the bank will automatically treat the pen as an installment, and when the subsequent card call cancels the service, it often needs to be settled once. Unpaid handling fee.
ICBC Credit Card Center personnel told this reporter that they will seek the consent of customers when handling the full-time automatic installment business. In addition, there are some special credit cards, which are directly invoiced.
According to our reporter, China Merchants Bank, Industrial Bank, China Construction Bank, Industrial and Commercial Bank, China Everbright Bank, etc. all have automatic credit cards.
The installment fee discount is nearing the end of the year, the bank discount season is coming, and the installment fee is no exception.
According to the announcement of the Construction Bank, from now until March 31, CCB will carry out the cash instalment Xinchunhui activities. During the event, the Long Card credit card cash instalment will be processed. The single amount is over 6,000 yuan (inclusive) and the period is 6 or above. The rate is 20% discount, that is, the handling fee for each of the 6th, 12th, and 18th periods is changed from 0.75% to 0.6%.
The Agricultural Bank of China also announced that from January 1 to March 31, the ABC credit card (excluding business cards and quasi-credit cards) cardholders can apply for bills in installments with a total amount of more than 500 yuan. The 24 period bills are calculated according to the coupon rate of 0.55%, 0.47% and 0.42%, and the 3 and 9 bills are still calculated according to the standard rate of 0.6%.
In addition, some banks have also adjusted the prepayment charges for credit card installment business.
Ping An Bank (13.740, -0.31, -2.21%) Since November 1st last year, the customer has handled the outstanding benefits, the royalties, the special reserve for your consumption, and the special reserve fund for the settlement of the business in advance, the remaining unfinished procedures Fees are no longer charged in full, only 3% of the initial settlement of the principal, and included in the current credit card bill (the account has not been refunded), but the cardholder needs to be paid in one lump sum.
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