There are two kinds of credit card bills for installment payment:
I. The bill installment has been issued: after the bill rises, apply for installment before the repayment date.
2. Unpaid bills can be phased: the unpaid part can be phased before or after the bill date.
Tips:
You only need to pay a small amount in installments, and reducing the repayment amount in each installment is of great help to alleviate the repayment pressure. Banks also support this approach.
Taking China Merchants Bank as an example, the process of bill installment:
First, you can apply directly to China Merchants Bank outlets (this is troublesome and not recommended).
Two, the implementation of online operation, there are two ways:
1, WeChat mode
(1) WeChat pays attention to "China Merchants Bank Credit Card" and realizes the binding of credit card and WeChat.
(2) Click "Review" in the menu below.
(3) The drop-down menu pops up, and select "Bill installment".
(4) In the pop-up message, click "Issued bill installment" to installment the bill on the statement date; Click "Unpaid bill by installment" to pay the unpaid part by installment.
(5) Select "Click to process the bill by installment" to enter the operation page.
(6) In the page, click the amount selection after "Apply for installment" to select the specific installment amount; Select the number of installments, and the installment repayment and handling fee will be displayed below.
(7) After confirmation at the top, select "Apply Now" at the bottom, and after checking the information, complete the installment of the issued bill.
2. The Pocket Life of China Merchants Bank
(1) Log in to China Merchants Bank and select "My" and "My" to review the repayment.
(2) Display the bill amount and pay by installment, and click "Repayment by installment" below.
(3) Only when the number of bills issued exceeds that of 300 yuan can it be phased in. Select the installment amount and number of installments, click "Preview Order" below, check the relevant information, and then confirm to complete the bill installment.
Mainly depends on whether to apply for bill installment or single credit card installment, mainly for the following reasons:
1. Credit card bill installment is a kind of credit card installment. This kind of installment payment means that the credit card holder asks the credit card center to return the consumption amount to the bank in installments after using the credit card.
2. installment payment of credit card bill is the simplest installment payment method. You only need to call the bank credit card center or log in to personal online banking to apply for installment payment during the period from credit card consumption to due repayment date. Generally, as long as there is no bad personal credit record, it can be approved.
3. Credit card bill installment refers to an early consumption method in which the cardholder applies to the issuing bank for installment payment after credit card consumption and before the repayment date.
When can I charge my credit card on the day of the bill for installment?
You can apply for single consumption installment at any time, or you can apply for bill installment after bill installment.
First, credit cards are generally consumed on the bill date, with the shortest interest-free period;
2. You can enjoy the longest interest-free period if you spend on the day after the bill date;
For example, the billing date of China Merchants Bank Credit Card is 20th of each month, and the repayment date is 8th of each month. Therefore, if you spend money on July 20th, which belongs to the bill of July 20th, and you have to repay it before August 8th, then you can enjoy the shortest interest-free period.
If it is July 2 1 consumption, which belongs to the bill of August 20, it should be repaid before September 8, so that you can enjoy the longest interest-free period.
Do I have to wait until the bill comes out to apply for installment payment with the credit card of China Bank?
If you apply for bill installment, you need to apply between the billing date and the due repayment date. If you apply for transaction installment, you can apply before the bill date.
The above contents are for your reference. Please refer to the actual business regulations.
Is the credit card bill installment before the bill date or between the bill date and the repayment date?
The credit card bill installment payment is between the bill date and the repayment date.
Because the application is for bill installment, you must apply for installment after the bill comes out. Cardholders of business cards, business cards, purchase cards or supplementary cards cannot apply, but they can handle installment business by calling bank customer service.
Time to apply for installment payment:
1. For transactions that have not been accounted for (except transactions that are accounted for one day before the bill date), you can apply for installment payment between the transaction date and the day before the bill date corresponding to the transaction. Apply for installment payment before the bill date, and the minimum application amount shall not be less than RMB 500 yuan.
2. For the bill that has been issued, you can apply for installment from the day after the bill date to the due repayment date (for customers with automatic repayment in the account, the deadline for application is due repayment date 17:00). During the cardholder's use of the reservation function for future transactions, the transactions recorded on the bookkeeping date cannot be staged.
Extended data:
Credit card bill installment payment is a kind of credit card installment payment, which means that the credit card holder asks the credit card center to return the consumption amount to the bank in installments after swiping the card. Installment payment of credit card bill is the simplest installment payment method. You only need to call the bank credit card center or log in to personal online banking to apply for installment payment during the period from credit card consumption to due repayment date. Under normal circumstances, as long as there is no bad personal credit record, you can get approval.