What is the automatic bill installment business of China Guangfa Bank?

The automatic bill installment business of China Guangfa Bank refers to the cardholder's one-time application for contract binding, then there is no need to apply for bill installment each time (or through other means) in the future, all the bills that can be paid by the cardholder in installments to meet the minimum amount of the contract can be automatically billed according to the number of installments specified by the cardholder, and the cardholder applies for binding the automatic bill installment business and is permanently valid, if you feel that you don't need the service later, you can call GF customer service** 95508 (or other means announced by the bank) to unbind.

Installment payment is a common payment method for modern people. Many times, we want to buy a product or enjoy a service, but we don't have enough funds for the time being, so we can use the installment payment method to transfer the payment pressure to a later period of time. There are many installment payment platforms on the market, but how can you choose the right one for you?

First of all, we need to determine the amount of funds we need, if you need a small amount of funds, you can choose some loan platforms with a lower amount. If you need more money, you can focus on platforms with higher loan amounts.

Secondly, we also need to take into account the number of installments we want to install, and most of the loan platforms on the market have an installment period of between 3 months and 3 years.

The most important point is that we need to choose some regular big brands, and the loan products launched by regular platforms will be more reliable and formal.

Among them, Du Xiaoman Finance's money is easy to apply, fast to lend, flexible to borrow and repay, and users can take the initiative to apply. The interest fee for money is transparent, the interest rate of big brands is reliable, and the maximum borrowing amount is 200,000. (Click to enter the official money to spend more information).

In addition to individual consumers, small and micro business owners who need start-up or working capital can also consider having money to spend, and Money is committed to providing accurate, convenient and efficient financial services for small and micro business owners.

This is provided by Kangbo Finance, which focuses on the interpretation of financial hot events, the popularization of financial knowledge, adheres to professionalism, pursues fun, makes financial content that people can understand, and conveys financial value in a vivid and diverse way. Hope this helps.

China Guangfa Bank credit card bills cannot be paid in installments, mainly for the following reasons:

1. One reason is that the credit card bill of Guangfa Bank has not yet reached the bill date and has not yet been issued, because only the bill has been issued can apply for installment repayment;

2. Another possible reason is that the bill of the credit card of China Guangfa Bank is overdue, because the overdue bill of the credit card can only be repaid in full, and cannot apply for installment repayment;

3. The bank generally evaluates the credit status of the cardholder according to the credit limit of the cardholder and the credit history of the cardholder's consumption, and if the evaluation result is not satisfactory, the bank may reject the cardholder's application for installment payment, or cannot give the cardholder the installment payment limit he wants.

Summary. Hello dear, happy to answer for you. "General ledger installment of China Guangfa Bank is general ledger installment" refers to the amount of consumption minus the principal of the current installment after the date of the credit card statement of Guangfa Bank, and the installment handling fee is determined according to the number of installments provided by the cardholder after application.

Because after the successful application of each bill installment, there will be a handling fee after the installment, and the less the handling fee, the more handling fee will be charged, and the bill installment is an installment repayment product launched by China Guangfa Bank for credit card holders. Cardholders can flexibly choose the number of installment repayment periods according to their own financial situation.

Guangfa Bank Master Bill Installment How will I repay next month.

Hello dear, happy to answer for you. "Guangfa Bank General Ledger Installment is the total royal account installment" refers to the amount of consumption minus the principal of the current installment after the date of the credit card statement of Guangfa Bank, and the installment handling fee is determined according to the number of installments provided by the cardholder after the application. Because after the application of each bill installment is successful, there will be a handling fee after the installment, and the less the handling fee, the more handling fee will be charged, and the bill installment is an installment repayment product launched by China Guangfa Bank for credit card holders.

Cardholders can flexibly choose the number of installment repayment periods according to their own financial situation.

My current limit is 12,000, and I have my own instalment, and if I pay the total amount of instalments, will my repayment amount increase next month?

After the installment is successful, just deduct the total amount of the installment from the bill, and the remaining amount will still be returned in full.

There will be a lot of pro, there is interest in installments, and the pro only pays the minimum repayment, and the interest will roll over more and more.

Then I'll pay the total amount in installments. My repayment will increase, right?

It's such a pro, are you going to divide it into several installments?

For example, I have a minimum of 1200 now, and I have half of the total 6000 installments. Then I have to pay more than 10,000 2 next month, right?

I'm going to return 12

This is not cost-effective, there is interest and handling fee in installments, and the teacher does not recommend that you repay the loan like this.

Have you already made an installment repayment?

1. Introduction to installment payment of credit card bills of Guangfa Bank

China Guangfa Bank Credit Card Bill Installment is a new installment repayment product of China Guangfa Bank, and you can flexibly choose the installment repayment method provided by China Guangfa Bank according to your own financial situation. Advantages of China Guangfa Bank Credit Card Bill Installment Payment:

1. Repay the current bill in installments and enjoy the interest-free repayment period;

2. Only a low handling fee will be charged;

3. More freedom and flexibility! Up to 4 installment settings for you to choose from;

2. Installment payment rules for credit card bills of China Guangfa Bank

Application amount: The installment amount of the current bill must be 500 yuan or more, but the maximum amount shall not exceed 90% of the current bill amount and 80% of the permanent credit limit;

3. Installment payment fee for credit card bill of China Guangfa Bank

Formula for calculating the handling fee for installment payment of credit card bill of IB:

Handling fee for each installment = total installment amount Handling fee rate for each installment; Total Handling Fee = Number of Installments Installment Handling Fee Rate.

Instalment Installment and Handling Fee Rate:

Fourth, the application method of installment payment of credit card bill of Guangfa Bank

1. Call: 95508 to apply:

Customer call: 95508 After entering the card number, the ID number is verified Select installment payment (press 4) Select manual service (press 0) According to the prompt of the customer service staff of Guangfa Bank, apply for installment of the current bill The customer service staff of Guangfa Bank will approve it for you immediately SMS notification after success.

2. Apply through the Lakala terminal:

Use the Lakala terminal to swipe the Guangfa credit card Enter the mobile phone number Enter the number of installments Confirm the installment information Repay the "amount due" by debit card Bill installment order generation.

1. The official website of the bank: Open the official website of China Guangfa Bank, click on Credit Card - My Credit Card in the upper column, and then scroll down a little bit to see the bill installment, and click on the immediate installment to enter the process;

2. Bank customer service: dial 95508 to select manual service, and apply for filial piety installment of the current bill according to the prompts of the customer service staff of Guangfa Bank;

3. Mobile banking: After logging in to the mobile banking of China Guangfa Bank, the cardholder can click Credit Card Search - Installment - Select Bill Installment, fill in the information according to the prompts on the page, and finally click World Bank socks to submit.

1. Suitable for card type.

China Guangfa Bank credit card installment payment is only available to China Guangfa Bank credit card holders, and cardholders who only need to hold US dollar single-currency card, Hong Kong dollar single-currency card, real love online shopping virtual card, commercial card, debit card, Caizhijin special card for repayment, fantasy card, corporate card, universal card or supplementary card cannot apply for it temporarily, and the supplementary card can be applied by the principal cardholder on behalf of the cardholder.

2. Application time.

When applying for installment payment at China Guangfa Bank, it must be from the day of the current bill to 2 days before the due date of repayment.

3. Limit on the installment amount of bills.

When applying for installment payment of credit card bill of China Guangfa Bank, the installment amount of the cardholder's current bill must be 500 yuan or above; The maximum amount of the bill instalment amount applied for is not more than 90% of the current bill amount and cannot exceed 80% of the permanent credit limit.

4. Selection of installment payment term.

Cardholders can apply for 3 installments, 6 installments, 12 installments, 18 installments, 24 installments, 30 installments, 36 installments, 48 installments, 60 installments, etc., each month. The specific period for which the holder can apply is subject to the cardholder's credit status, and is subject to the final confirmation between China Guangfa Bank and the cardholder.

5. Bill installment handling fee.

The installment fee for credit card bills of China Everbright Bank is divided into monthly billing and one-time billing. The installment fee is determined according to the credit status of the cardholder and the comprehensive service fee provided by the cardholder of GF Bank card, and the handling fee rate is 0%-1%.

Bank credit card sub-bill installment and consumption installment, bill installment is all the money you spend with a credit card within a month (between the bill date and the bill date) All installments are bill installments, consumption installments are a certain consumption installment that you use a credit card to consume within a month Installment is consumption installment, and the general bill installment interest is much higher than that of consumption installment When you pay off your consumption in installments, your available limit will return to the original limit. The available limit is the initial limit minus the money you owe to the bank, which is your available limit

Bill installment means that from the day after the statement date to the last repayment date, the cardholder applies to the Bank for installment repayment of a certain amount of RMB consumption amount of the billed bill (only once in 30 days). The minimum application amount is RMB 500, and the maximum amount shall not exceed 90% of the total RMB consumption amount (excluding cash withdrawals, installment payments and other transactions specified by the Bank) in the issued bills.

Installment payment means that this bill will be paid in installments There will be interest so it must be more than the previous bill amount It is recommended to call the 95508 manual desk for consultation and cancel the installment But the cost has been incurred It is estimated that it is inevitable.