如何算年化信用卡利率_百度知道
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如何算年化信用卡利率
　　年利率 = 分期手续费率/（分期数+1）*24 = 单期手续费率*分期数/（分期数+1）*24　　最常见的12期7.2%的手续费，相当于7.2/（12+1）*24=13.29%的年利率。　　工行12期3.58%的手续费，年化利率6.61%，相当于一年期贷款基准利率6.0%的1.1倍　　分期收取 0.=0.0%　　首期收取的话，年化利率应该再除以（1-分期手续费）。　　首期收取0./（1-0.0358）=0.0%　　建行12期分期的年化利率：0.054*12/13*24=1.%　　广发12期分期的年化利率：0.070*12/13*24=1.%　　中行12期分期的年化利率：0.072/13*24/（1-0.072）=14.32%
采纳率：95%
来自团队：
信用卡取现利息是每天万分之五，折扣年利率18%；
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