With the rapid development of the electricity market, more and more people are choosing to use credit payments. Of these, “Flow-to-Performance” under the flag of ant gold suits has become a major payment for consumers when they consume online. However, as the demand for purchase and purchase consumption increases, so does the fee for payment in instalments. The paper will provide an in-depth analysis of the issue of fee-splitting from multiple perspectives to help consumers better understand fee-splitting。

Spending a fee

FIRST, THE METHOD OF CALCULATING THE FEE IN INSTALMENTS IS RELATED TO SESAME CREDITS. USERS WITH HIGHER SESAME CREDIT RATINGS ARE ENTITLED TO LOWER PROCESSING RATES. SPECIFICALLY, USERS WITH A SESAME CREDIT SCORE OF 650-699 MINUTES AT A PROCESSING RATE OF 2.3%; USERS WITH A PROCESSING RATE OF 1.8% AT 700-749 POINTS; USERS WITH A PROCESSING RATE OF 1.3% AT 750-799 POINTS; USERS WITH A PROCESSING RATE OF 1% AT 800-849 POINTS; AND USERS WITH A PROCESSING RATE OF 0.5% AT 850-900 POINTS. THEREFORE, CONSUMERS NEED TO INCREASE THEIR SESAME CREDIT POINTS IF THEY WANT TO ENJOY A LOWER FEE FOR THE SPLIT OF THE FLOWERS。

Second, consumers can also reduce the cost of the installment by choosing the appropriate instalments. The more time is spent, the higher the fees. For cardholders, the selection of an appropriate period may minimize the handling costs without reducing the desire to purchase。

In addition, flowers have introduced different preferential policies for different scenarios. For example, during the two-to-one period, a number of businesses introduced a fee-to-pay exercise, at which time it became more cost-effective to choose a fee-to-pay. In other large shopping festivals, there will also be preferential payment of fees in instalments, and the choice of the right time to consume can reduce the cost of the fees。

Finally, there are different options as to how fees will be charged over time. Fees that are only supported are charged in the form of pre-charges, back-up charges and phasing charges. The pre-processing fee is the one-time payment of all fees by the user prior to repayment, the back-up fee is the one-time payment by the user at the time of repayment, and the phased fee is calculated on the basis of the principal of each instalment, with the final and total fee payable. As a result, different collection modalities will have a different impact on the cost of handling fees。

In the light of the above, the expenditure on the phasing of fees is influenced by a number of factors. Consumers can minimize expenditure on sesame charges by increasing credit credits, choosing the right number of instalments, choosing the right timing and the right way to charge fees。