You can't.
After the user applies for credit card installment, the system will execute it immediately, and the user can't cancel it. Users who make mistakes in installments can choose to repay in advance, but the one-time deducted handling fee will not be refunded. Therefore, users must consider carefully before staging, and if they want to cancel later, they need to bear certain losses themselves.
In addition, if it is an installment credit card, it will be automatically phased after consumption, and users can set the installment amount higher, which can avoid a large number of small installments.
If the card is swiped offline, the user will pay in installments, and the cashier will let the user swipe the card on the POS machine with special installments. If you pay online, there will be a special page for installment payment, directly select the number of installments, and then pay by credit card. Successful payment is equivalent to credit card installment payment. So credit card installment payment is supported online and offline.
After the credit card installment payment is successful, the user is not allowed to modify the installment number, but can repay or pay off in advance. Note that paying off in advance may charge a certain penalty.
Credit card installment repayment refers to the process that when the cardholder uses the credit card to make a large amount of consumption, the bank pays the consumer funds of the goods (or services) purchased by the cardholder to the merchant in one lump sum, and then the cardholder repays the money to the bank in installments and pays the handling fee.
After reaching an agreement with the bank, the cardholder can apply for repayment by installments for outstanding bills, or for large consumption such as car purchase and decoration. If the cardholder is in urgent need of cash turnover, he can apply for cash transfer or withdrawal within the cash advance limit of the credit card.
It should be noted that according to relevant regulatory regulations, cash advance business does not enjoy interest-free repayment period and minimum repayment amount in principle, and cardholders can apply for repayment by installments if necessary.
For credit card installment business charges, you should know something about it.
Banks usually charge a certain interest or handling fee for credit card installment business. If consumers encounter the bank's promotion of "interest-free installment" of credit cards, please be sure to understand the specific meaning, because interest-free does not mean free.
Some banks will charge a certain percentage of fees for installment business, and the rates corresponding to different installments are different. Consumers can choose to pay in installments or at one time.
When handling credit card installment business, consumers should carefully read the terms of the contract, especially the calculation of handling fees and liquidated damages, and ask the bank for confirmation when necessary, so as to avoid the excessive personal financial cost caused by excessive installment, and eventually the credit information will be damaged due to the loss of income.
Can credit card installment be cancelled?
There are two ways to cancel credit card installment repayment:
1. If the installment repayment is not implemented or within the cancellation time specified by the bank, you can call customer service directly or operate online to cancel the installment.
It should be noted by card friends that not all banks can cancel installment payment without installment. For example, China Merchants Bank confirmed by China Merchants Bank Credit Card Center that the installment application of China Merchants Bank credit card bill cannot be cancelled after success. After the cardholder successfully applies for bill installment, the bill installment fee will appear in the current bill after the successful application, and the cardholder cannot apply for cancellation of bill installment.
If you want to cancel the installment payment of China Merchants Bank, you can return the amount of the bill installment in advance, but even if you return the amount of the bill installment in advance, you will not return the bill installment fee already charged.
2. If the installment has been implemented, it can't be cancelled, and you can choose to repay in advance, but prepayment can't save the handling fee.
The cardholder can call the credit card customer service to apply for prepayment by installments after applying for the current bill, and no extra prepayment fee is charged. The undistributed principal and handling fee of the cardholder's installment payment shall be fully included in the cardholder's current bill at the end of the application for early repayment, and fully included in the minimum repayment amount, and will not be allocated on schedule on the subsequent billing date.
If your credit card paid all the installment fees in the first installment, even if the installment is cancelled now, the fees will not be refunded.
Credit card is a credit certificate issued by commercial banks or credit card companies to qualified consumers. The form of credit card is a card with the name of the issuing bank, expiration date, number and cardholder's name printed on the front. Consumers with credit cards can go to specialized commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limit.
China's credit card market is still one of the fastest growing product lines in China's personal financial services market. Although the economic benefits of the industry are full of challenges, in the next 65,438+00 years, the average annual growth rate of credit card issuance in China will remain at around 65,438+04%, and the profitability will also be improved. It is predicted that the cumulative number of credit cards issued in China will exceed 800 million in 2020.
Can credit card installment be cancelled?
Can't cancel.
Reasons and countermeasures for the rejection of card application;
There are always various reasons for the rejection of application cards, such as poor credit reporting and insufficient comprehensive evaluation.
Some friends are always complaining that the bank refuses to sign and it is difficult to apply for a card. Sister Ka, the old driver, shared her experience in handling your card a few days later:
The success rate of applying for credit cards through formal channels of banks is the highest, including the third-party cooperation channels of banks (Zhi Mo Bao, Wei Moxin, R360, etc.). ), bank official website, the bank's App counter.
As we all know, online application has become the mainstream. Banks not only vigorously promote credit cards on their own official website and App, but also work closely with third parties (Alipay, QQ, Rong360, etc.). ) issued credit cards, and more than 60% of users successfully applied for cards through the Internet.
As a supplementary channel for online application, the bank counter is the most important channel for offline card processing. It is worth noting that in offline application channels, 17% of users are credit card salesmen, and 5% of users are companies that collectively handle credit cards.
1. Good credit
To apply for a credit card bank, you must first check your personal credit records. Personal credit mainly includes personal credit card use/repayment information and loan information, as well as personal payment information such as telecommunications, water, electricity and gas. A good historical credit record can ensure that you get the card and get a satisfactory amount. Now life is linked with credit everywhere, don't you pay attention to it?
2. "Family property" is rich
This does not mean that you must have money to apply for a credit card, but that if the applicant has a stable job, social security, a fixed source of income or fixed assets such as a house and a car, it will be much less difficult to apply for a card.
Because the credit card is essentially the money that the bank lends to the cardholder for consumption according to your qualifications. How can I prove my repayment ability if I want to apply successfully? The financial strength of the applicant is the best proof. This is a cliche, as we all know, but it's a bit difficult to change it.
Choosing the right card is very important.
Choose a suitable bank according to your own situation and apply for a credit card with your own advantages.
For example, in choosing a bank, each bank has different characteristics, and Shenka can choose a bank that suits it according to its actual needs.
For example, it is easy for Bank of Communications to handle cards, like to send credit cards, the most popular Friday and so on. Suitable for you who like welfare;
CITIC Bank's cash installment is a relatively high amount, suitable for you who spend a lot;
Credit card installment means that when using a credit card, the cardholder will choose the minimum repayment amount or installment repayment if he has no money to repay in full on the repayment date. The minimum repayment is daily interest, while credit card installment repayment is to directly calculate the installment fee, and the cardholder repays according to the monthly recorded amount. After credit card installment, if it is not implemented by the system or within the cancellation time specified by the bank, you can call customer service directly or cancel the installment through online banking. If the credit card installment has been realized, then the cardholder cannot cancel it. However, you can choose to prepay. It is worth noting that the cardholder must have enough funds to repay in full before he can apply to the bank for early settlement of the installment. In addition, the prepayment installment fee still needs to be paid, but no additional prepayment fee will be charged.
Can credit card installment be cancelled? That's enough introduction.