How to installment of credit cards for Agricultural Bank of China: Analysis of hot topics on the entire network in the past 10 days
With the diversification of consumption methods, credit card installment has become the focus of attention of many users. Recently, the popularity of Agricultural Bank's credit card installment business has continued to rise, especially in social platforms and financial forums. This article will combine the hot contents of the entire network for the past 10 days to analyze the installment operations, fees and precautions of Agricultural Bank of China's credit card for you in detail.
1. Hot data on the entire network of Agricultural Bank of China’s credit card installment
| Hot search keywords | Search volume peak | Main discussion platform |
|---|---|---|
| Agricultural Bank of China Credit Card Installment Rate | 85,000/day | Baidu, Weibo |
| Agricultural Bank of China installment fee | 62,000/day | Zhihu, Douyin |
| Agricultural Bank of China bill installment | 47,000/day | WeChat, Xiaohongshu |
| Agricultural Bank of China Cash Installment | 39,000 per day | Tieba, B station |
2. Agricultural Bank of China Credit Card Installment Operation Guide
1.Bill installment: Suitable for consumption that has been issued, can be operated through the Agricultural Bank APP:
- Log in to the "Agricultural Bank of China" APP → Credit Card → Bill Installment → Select the number of periods (3/6/12/24 period) → Confirm the handling fee rate.
2.Consumption installment: If you spend a single purchase of over 500 yuan, you can apply:
- Receive a text message after consumption → reply to installment instructions → or handle it through the "Consumption Installment" portal of the APP.
| Installment type | Minimum amount | Maximum cycle |
|---|---|---|
| Bill installment | 500 yuan | Issue 24 |
| Consumption installment | 500 yuan | Issue 36 |
| Cash installment | 1,000 yuan | Issue 24 |
3. Latest installment fee policy (updated in 2023)
| Number of installments | Benchmark handling fee rate | Event discount price |
|---|---|---|
| Period 3 | 1.8% | 0.6% (limited time) |
| Issue 6 | 3.6% | 1.2% |
| Issue 12 | 7.2% | 4.8% |
| Issue 24 | 14.4% | 9.6% |
4. Answers to hot topics on the Internet
1.Q: Will installments affect credit reporting?
A: Normal installments will not affect credit reporting, but overdue payment will lead to damage to credit records. The recent central bank report particularly emphasized the compliant use of installment function.
2.Q: Is it charged for early repayment?
A: According to the latest announcement of the Agricultural Bank of China, 1% of the remaining principal will be paid as a liquidated damages for early repayment from 2023. This policy has triggered discussions on Weibo's #credit card topic for more than 20,000 yuan.
3.Q: Which merchants do not support installment?
A: Real estate and investment and financial transactions are not available. Recently, Xiaohongshu users shared cases that were rejected were praised more than 5,000 times.
5. User real experience report
| platform | Typical reviews | Like count |
|---|---|---|
| Zhihu | "The 4.8% fee rate of the Agricultural Bank of China period 12 is 30% lower than that of its peers" | 3200 |
| Tik Tok | "The actual measurement of cash installment arrival speed is only 30 minutes." | 1.2w |
| "Customer service says that installment does not affect the increase in credit limits is a misunderstanding" | 6800 |
6. Professional advice
1. Comparing the total costs of different periods, the actual annualized interest rate of short-term installments may be higher.
2. Pay attention to the "Promotional Activities" section of the official APP of the Agricultural Bank of China. Recently, there has been "Installations and Free Orders" activities
3. It is recommended to choose merchant installments for large-scale consumption, and some cooperative merchants provide 0 handling fee discounts.
According to the latest consumer tips from the China Banking and Insurance Regulatory Commission, although credit card installments can alleviate financial pressure, they need to rationally evaluate their repayment ability. It is recommended that users choose appropriate installment plans based on their own situation to avoid excessive debt.
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