Kookmin Card lump sum installment conversion [installation payment] method and interest fee information
Following Hyundai Card, Samsung Card, and Shinhan Card, this time, we will learn how to convert Kookmin Card installment payment.
> Hyundai Card installment conversion [installment payment] method and interest fee How does it affect credit rating? 국민카드 할부 수수료
> How to apply for Samsung Card installment conversion [payment in installments] and interest fee information
> Shinhan Card installment conversion [installation payment] method and installment interest fee information summary 좋은뉴스
In fact, there are many cases in which even those who plan to use the card deliberately worry about large expenditures that have gone out without their knowledge.
Let’s take a moment to briefly find out how much the Kookmin Card installment interest fee is, along with the lump sum installment conversion, or installment payment method, that can help you pay your card bill, even if it’s just a little bit.
What are the conditions for Kookmin Card installment payment?
You can pay all lump sum payments in installments.
However, there are a few conditions that need to be addressed first.
First of all, in the case of more than 50,000 won, installment payment is possible for up to 18 months.
To put it simply, it means that it is difficult to pay in installments for less than 50,000 won.
Kookmin Card installment payment method [PC]
First of all, log in after accessing the Kookmin Card homepage and click My KB > Payment > Installment payment for domestic use in the top menu, and then click Installment payment for domestic use amount. Split payment is possible
> Go to the Kookmin Card website
Afterwards, on the converted screen, select the item to be paid in installments among the payment details, select the number of installment months, and click Next to proceed simply.
Kookmin Card Installment Payment Method [Mobile]
Previously, you can apply for Kookmin Card installment payment on PC as well as mobile.
> Go to Kookmin Card mobile application download
First, launch the app and click the All menu in the upper right corner.
Then, as in the previous PC, you can check the payment menu along with the My KB menu.
You can easily apply for an installment payment by proceeding in the same way as the previous installment payment using a PC.
Kookmin Card Lump-sum Installment Payment Conversion Notes?
As mentioned in the conditions above, installment conversion is available from 50,000 won or more and is available from 08:00 to 17:30.
Also, if you want to switch to a lump sum payment again because of an incorrect selection, you must contact Kookmin Card Customer Center [1588-1688] by 17:30 on the day of change.
One of the most important things is that if you convert a lump sum payment into installments, interest-free installments do not proceed.
If the amount is a large payment, it is better to use interest-free installments from the first payment rather than installment conversion.
Kookmin Card Installment Fee, Interest and Credit Rating Impact?
Kookmin Card installment interest rates range from 8.6% to 21.4%.
In the case of installment fees, the longer the installment period is, the higher it is, and the larger the installment amount is, the smaller it is.
It is said that the most common content is to see that the average Kookmin Card transaction fee is determined in the mid to late 10% range.
In addition, if the installment use period is prolonged or the amount used is high, it may affect your credit rating.
As the amount of installment use increases, the limit amount that can be used decreases, and this is because the increase in the amount of use compared to the limit amount has the effect.
What are the tips for using Kookmin Card installment payment?
Even in the case of installment interest, of course, it is calculated on a daily basis, so if you make a prepayment when using it, it has the effect of reducing the interest burden a little.
> What are the pros and cons of paying in advance with a credit card? [Credit rating and interest impact]
> What are the pros and cons of Kookmin Card prepayment and instant payment methods?
This has a good effect on credit ratings, and in some cases, the credit card company’s evaluation itself also has the effect of increasing, so if you can afford it, it’s a good idea to proceed.
However, it is recommended not to use credit card revolving, which is a service similar to installment payment.
> What is the difference between credit card installment payment, revolving and credit rating?
> Why can’t I use long-term credit card loans?
It’s probably because the interest rate is not at all small compared to installment loans, but it has a big impact on your credit rating.
organize
This time, we looked at how to convert Kookmin Card installments and installment interest.
In fact, in the case of card use, it is said that the best way to use it is to use it as a lump sum in a planned way.
I hope that today’s content will be of some help to the use of the Kookmin Card, and I will finish the content.