For the credit card of Shanghai Pudong Development Bank, the handling fee is 0.76% for the 24th installment, and 760 yuan handling fee is required for the monthly consumption of 65,438+10,000 yuan.
The installment number of PUFA credit card can be selected as 3 months, 6 months, 12 months, 15 months, 18 months or 24 months; Once a month;
The following is the installment interest rate of PUFA credit card:
1, Pudong Development Credit Card is divided into three phases, and the handling fee rate of each phase is 0.9% of the total principal;
2. Divided into 6 periods, and the handling fee rate of each period is 0.78% of the total principal;
3. Divided into 12 installments, and the handling fee rate of each installment is 0.74% of the total principal;
4. Divided into 15 installments, and the handling fee rate of each installment is 0.75% of the total principal;
5. Divided into 18 installments, and the handling fee rate of each installment is 0.76% of the total principal;
6. It is divided into 24 periods, and the handling fee rate of each period is 0.76% of the total principal.
Shanghai Pudong Development Bank (hereinafter referred to as Shanghai Pudong Development Bank or Shanghai Pudong Development Bank) is a national joint-stock commercial bank established with the approval of the People's Bank of China on August 28th, 1992. 19931October 9th, and it was successfully listed on the Shanghai Stock Exchange (stock exchange code: 600000). Its headquarters is located in.
In 20 18, Shanghai Pudong Development Bank ranked 70th in Forbes "Top 2000 Global Enterprises". The British "Banker" ranked 25th in the "Top Global Banks 1000"; America's Fortune 500 ranked 227th. Shanghai Pudong Development Bank is one of the few joint-stock commercial banks in China that have been rated as investment grade or above by three international rating agencies. 20 19 July, Fortune Global 500 released: ranking 2 16. On September 20 19 1 day, the list of the top 500 service enterprises in China was released, and Shanghai Pudong Development Bank Co., Ltd. ranked 29th. In March 2020, it was selected as one of the top 500 global brands in 2020 134.
The total assets of Shanghai Pudong Development Bank increased from 8.75 billion yuan when it was founded in 1993 to 609175.9 billion yuan at the end of June 20 18, an increase of 696 times. Operating income increased from 337 million yuan at the end of CCB 1993 to16.86 million yuan at the end of 20 17, an increase of 500 times; The net profit increased from 1993 to1300,000 yuan to 54.24 billion yuan in 20 17, an increase of 4 16 times, and the compound annual growth rate was close to 30%.
In 20 18, Shanghai Pudong Development Bank achieved operating income (group caliber) 1 7154.2 million yuan, an increase of 2.923 billion yuan year-on-year, with an increase of1.73%; The net profit attributable to shareholders of the parent company was 559.1400 million yuan, an increase of 65.438+0.656 billion yuan, or 3.05%. By the end of 20 18, the total assets of Shanghai Pudong Development Bank Group were 6,289.606 billion yuan, an increase of 654.38+52.366 billion yuan or 2.48% compared with the beginning of the year. The capital adequacy ratio was 65,438+03.67%, up 65,438+0.65 percentage points from the beginning of the year. 2065438+On June 26th, 2009, eight banks including Shanghai Pudong Development Bank launched the first batch of enterprise information networking verification systems.
Credit card, also called debit card, is a credit certificate issued by a commercial bank or credit card company to eligible consumers. It is a card with name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back. Consumers with credit cards can go to specialized commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limits.
How much is the handling fee for credit card swiping 65438+ 10,000?
From September 6th, the new standard will be implemented for the charge rate of bank card swiping. The new fee rate cancels the industry classification and lowers the rate level as a whole, but in order to prevent cashing out, the credit card fee is cancelled. According to the new rate, the credit card charges 654.38 million yuan, and the handling fee is more than 500 yuan. The merchant may ask the cardholder to pay this handling fee or ask the cardholder to change a debit card.
_ It is understood that there are two important changes in the new bank card charging rate to be implemented soon, namely, the abolition of industry classification and the differential pricing of debit cards and credit cards.
_ At present, the domestic credit card rate is linked to the industry classification, and the credit card rate for catering and entertainment is the highest, which is1.25%; General merchants such as department stores are 0.78%; 0.38% for supermarkets and gas stations; Hospitals, education and other public welfare categories are zero. After the cancellation of the classified pricing of merchants' industries, the credit card rate level will be greatly reduced as a whole. According to the new standard, the service fee rate of the issuing bank is lowered to 0.35% of the transaction amount for debit card transactions and 0.45% for credit card transactions. In addition, the network service fee charged by the bank card clearing institution is reduced to no more than 0.065% of the transaction amount, and the card issuer and the acquirer each bear 50%. Earlier, when answering a reporter's question, the relevant person in charge of the central bank and the National Development and Reform Commission said that, regardless of the classification, the expenditure on credit card processing fees of catering enterprises can be reduced by 53% ~ 63%, and merchants in department stores and other industries can be reduced by 23% ~ 39%. After the implementation of the New Deal, public welfare credit cards such as hospitals and education are still zero.
_ Specific to the card type, the debit card is still capped, and the handling fee for a single transaction does not exceed 13 yuan. In order to prevent malicious cashing, the credit card handling fee is not capped. According to industry insiders, the overall reduction in the rate is good for merchants, but the practice of canceling the cap on credit card handling fees may lead to the problem of who will pay the handling fees. Although the credit card transaction rate was high before, a single transaction was capped. If it is not capped, the cardholder will spend 654.38+10,000 yuan on credit card, and the single handling fee will be more than 500 yuan.
_ In the past, the fee for credit card swiping was paid by merchants, and the fee was divided into 7: 2: 1 among the issuing bank, the acquiring institution and UnionPay. After the implementation of the new rate, the charging method will be adjusted accordingly. The service fee of the issuing bank will be charged to the acquirer, while the service fee of UnionPay network will be shared by the issuing bank and the acquirer respectively, and the acquirer will negotiate with the merchant to collect it.
What is the annual interest rate of credit card loan 100000?
Industrial and Commercial Bank of China, the installment interest rate of credit card in 2002 is 65438+3.6%, and the calculated interest is as follows:
China Industrial and Commercial Bank credit card 12 installment repayment, the handling fee rate is 3.6%. Repayment per installment 1000003.6%=3600 yuan, with total interest of 3600 yuan. The interest per installment is 3600/ 12=300 yuan.
As the use price of funds, interest plays a very important role in the operation of market interest rate economy, mainly in the following aspects:
Functions that affect enterprise behavior
As the occupation cost of an enterprise, interest directly affects the economic benefits of the enterprise. In order to reduce costs and improve efficiency, enterprises should do everything possible to reduce the amount of funds, and at the same time compare the costs of various financing methods in the process of financing. If the enterprises in the whole society regard saving interest expenses as a common behavior mode, then the efficiency of economic growth will certainly be improved.
Function of influencing residents' asset selection behavior
With the increasing real income level and savings rate of Chinese residents, asset selection behavior has emerged. The increase of financial instruments provides an objective basis for residents' asset selection behavior, and interest income is the main incentive for residents' asset selection behavior. Residents' departments attach importance to interest income and spontaneously produce asset selection behavior, which has an impact on macro-control and micro-foundation reconstruction.
Judging from China's current situation, the high savings rate has become a major feature of China's economy, providing a solid financial foundation for the rapid economic growth. The various asset selection behaviors made by residents under the incentive of interest income have contributed to the realization of various macro-controls.
Functions that affect government behavior
Since interest income is closely related to the economic interests of deficit and surplus departments in the whole society, the government can also use it as an important economic lever to regulate economic operation. For example, if the central bank takes measures to lower interest rates, more money will flow to the capital market, and when interest rates increase, funds will flow out of the capital market. If the government raises funds by credit, it can issue treasury bonds at an interest rate higher than the bank's deposit interest rate for the same period, and absorb private monetary funds into the hands of the government for various financial expenditures.
The amount of interest depends on three factors: principal, deposit period and interest rate level.
The calculation formula of interest is: interest = principal x interest rate x deposit term.
According to People's Republic of China (PRC) State Taxation Administration of The People's Republic of China Guoshuihan [2008] No.826, since June 9, 2008, personal income tax on savings deposit interest is temporarily exempted, so the interest tax on savings deposit interest is temporarily exempted at present.
This concludes the introduction of how to calculate and apply for 65438+ 10,000 credit cards. I wonder if you have found the information you need?