If I choose the installment and find that there is a handling fee, can I cancel the installment?

Different banks have different regulations, please consult the handling bank for details. If you need to settle in advance, you can log in to the Ping An Pocket Bank app - Credit Card - More - Installment Settlement operation.

If you need to consult Ping An Bank's credit card business, you can click the link below and select "My" in the lower right corner - exclusive customer service or follow Ping An Credit Card WeChat*** (paxyk95511) for consultation.

Hello, there are two situations when the credit card cancels the installment repayment:

2. If the installment has already been executed, it cannot be canceled, and you can choose to repay in advance, but early repayment cannot save the handling fee. How:

Cardholders can call the credit card customer service to apply for early repayment after the current statement date of the instalment application, and no additional prepayment fee will be charged. The unamortized principal and handling fee of the cardholder's installment payment shall be fully credited to the cardholder's current bill at the end of the date of application for early repayment, and the full amount will be included in the minimum repayment amount, and will not be amortized on subsequent statement dates.

Note: If your credit card instalment is paid in the first instalment with all instalment fees, the instalment fees will not be refunded even if you cancel the instalment now.

There are three types of returns after installment payment:

Situation 1: If the goods have not been shipped, then only a refund is required, the order is cancelled, and the installment payment is canceled.

Situation 2: The goods have been shipped, but the real payment has not been started, then the goods must be returned first. Then the refund is made, and the installment is naturally canceled.

Scenario 3: This is rare, that is, there has already been a real payment (the first installment was paid. At this point, you still have to return the item first, and then cancel it in installments. The amount paid is returned to the buyer's account.

Extended Materials. The refund rules for Huabei installment are as follows:

1. If the refund is not confirmed before receipt, there will be no handling fee for the direct refund of the Huabei quota;

2. The order of deduction of refund funds after confirming receipt is as follows:

1) Priority is given to repayment in installments, in the following order: overdue interest formed by installment repayment, overdue principal formed by installment repayment, cost formed by installment repayment, principal formed by installment repayment, and unreleased principal formed by installment repayment (deducted in the order of the last installment);

2) If there is still some remaining funds and the user is overdue, the order is: the remaining overdue interest that has been issued, the remaining overdue principal that has been released, the remaining expenses that have been released, and the remaining principal that has been released;

3) If there are any remaining funds after the above two rounds, they will be returned to the user's Alipay account balance.

3. If the installment transaction is a margin refund, the balance will be refunded directly.

4. Installment payment is mostly used for some product transactions with long production cycle and high cost. Such as the export of complete sets of equipment, large vehicles, heavy machinery and equipment, etc. The practice of installment payment is that after the import and export contract is signed, the importer pays a small part of the payment as a deposit to the exporter, and most of the remaining payment is paid in installments after the product is partially or fully produced and shipped on the ship, or when the goods are installed, commissioned, put into operation and the quality assurance period expires.

Installment payments were developed after the Second World War. In the beginning, it was limited to the purchase of general daily goods or services. Later, with the rapid development of productive forces, the scale of industrial and agricultural production is expanding day by day, the required expenses are increasing, coupled with the development of bank credit, the field of installment payment has expanded to the purchase of large-scale machinery and equipment and raw materials by enterprises.

Either it's overdue, or it's not deducted at the beginning, you just look at the bill, or it's better to call ** to ask customer service clearly.

Credit card installments are charged. I don't know how many installments you have, which line. For example, the handling fee of Bank of China is 15% for 3 installments and 15% for 24 installments, which is charged in a lump sum.