1. Take China Merchants Bank as an example. First open the China Merchants Bank app, as shown below.
2. Then click the option to review repayment, as shown in the figure below.
3. You can see the credit card bill, and click installment, as shown in the figure below.
4. Then you can set up credit card repayment, as shown in the figure below.
5. Then you can see the details of the bill, as shown in the figure below.
6. Finally, set up installment payment, as shown in the figure below.
How to stage ICBC's credit card?
Credit cards can be repaid in installments. Generally, banks can choose three, six, nine, 12, 18 and 24 installments freely, and the term of each installment is 1 month. The bank will charge the corresponding handling fee for each installment according to the installment amount and the number of transactions you apply for, combined with your personal credit situation. The monthly handling fee rate is 0.5% to 1.0%.
Credit card repayment.
On the Similarities and Differences among Credit Card Repayment, Credit Card Trading Date and Entry Date
Trading day: Literally, it refers to the date when the cardholder actually consumes, deposits and withdraws cash, transfers money or actually conducts transactions with relevant institutions.
Account entry date: refers to the date when the card issuer records the transaction amount in the cardholder's credit card account or records the handling fee and interest in the cardholder's credit card account according to regulations.
The trading day and posting day are sometimes the same day, and sometimes they are not. Especially in foreign consumption, the difference between the two may be more than one day.
This point, many old drivers who grab cash back from consumption abroad must have a deep understanding, and many of them are defeated because they don't understand the difference between these two dates.
It's not that everyone is inexperienced, but the entry dates of different banks are different, even the same bank is different every month. This rule is really hard to touch.
In fact, it is not only overseas activities, but many banks like to calculate their activities on the entry date. You may wish to pay attention to the detailed description of various activities to avoid accidentally falling into the pit.
About overdue credit cards
Speaking of overdue, let's explain it with a few nouns.
The billing date means that the issuing bank will regularly summarize and settle all the transactions and expenses of your credit card account in the current period every month, calculate the interest, calculate the total amount owed in the current period and the minimum repayment amount, and send you a statement (paper bills are almost extinct now, basically text messages and emails). This date is your credit card bill.
Repayment date: credit card is a non-cash transaction, and the interest-free repayment date is from the bank bookkeeping date to the due repayment date, and the last interest-free date is the last repayment date written on the bill.
The minimum repayment amount means that if the cardholder has difficulty in repaying all the payables before the due repayment date (inclusive), he can repay according to the minimum repayment amount stipulated by the issuing bank, but he cannot enjoy the interest-free repayment period. The minimum repayment amount is listed on the current bill.
Minimum repayment amount = 65,438+00% of the outstanding consumption amount within the credit line (5% in some banks), 65,438+000% of the cash advance transaction amount, and 65,438+000% of the expenses and interest of the previous minimum repayment amount exceeding the consumption amount of the credit line.
In short, as for the minimum repayment amount, just look at the items on the bill.
Ok, with the above noun explanation, this overdue is easy to explain.
If the minimum repayment amount has not been paid after the last repayment date, even if it is overdue, it may be recorded in the credit report.
The reason why it can be published in newspapers is that many banks have set aside some exemption conditions. When the technical term is tolerance, it is regarded as mercy outside the law.
"Tolerance and time tolerance" is a general term for "tolerance service" and "tolerance and time tolerance service" of bank credit cards.
"Tolerance service" means that the cardholder fails to repay in full in the current period, and if the unpaid part in the account is less than or equal to a certain amount after the due repayment date, it is deemed that the cardholder has repaid in full, and the unpaid part will be automatically transferred to the next bill, and the unpaid part will not bear interest.
"Time-tolerant service" refers to providing cardholders with a certain period of repayment grace period service, and the repayment grace period is within a few days from the due repayment date; If the cardholder repays within the repayment grace period, it is deemed that the cardholder repays on time.
The repayment date of general banks is 20 days after the bill date, and some banks are 25 days after the bill date; Generally, the holding time is 2 or 3 days (note that the holding time of ICBC is 0 days); Tolerance is generally within 10 yuan, and only China Everbright Bank can tolerate it within 100 yuan.
In addition, the time difference services of Guangfa Bank, China Everbright Bank and Shanghai Pudong Development Bank can only be enjoyed upon application. In this regard, the application time tolerance is understandable. If you realize tolerance, you will definitely pay back a few dollars. Who would bother to apply? With the threshold of application, it means that there is no such service.
Then, after the bank allows the time to form a real overdue, will it definitely pollute the credit information?
The answer is also no.
Because banks don't report overdue in real time, they all have their own work rhythm, and the fastest one takes one working day, and some banks even report it in ten days.
This overdue report is also the last remedy for everyone. Repay in full, take the initiative to explain your last move (such as forgetting all unforgivable non-subjective reasons, such as not going on a business trip), and be sincere, so that it is possible to "save the day."
Of course, saying this is not to make everyone feel lucky and delay repayment, but to solve it as soon as possible once it is overdue, and don't break the jar without asking.
Credit card interest
Even if it is overdue accidentally, if it is not paid in full by the repayment date, there will be a large interest fee waiting for you.
Interest: Due to cash withdrawal or insufficient repayment (only the minimum repayment amount) on the repayment date, the current common algorithm for credit card interest is the daily interest rate of five ten thousandths. Whether it is overdue or not, as long as it is not repaid in full after the repayment date, this interest will be generated.
Reminder: One billing cycle is the calculation cycle of interest, and the interest of the next cycle will be incorporated into the principal for recalculation.
Here are a few points to note:
1, cash withdrawal is different from credit card consumption, and there is no interest-free period. As long as you withdraw from the current bank, you can start calculating interest. If you don't make up the money for an emergency, remember to pay it back quickly. Don't wait until the repayment date to pay it back together. There will be a large interest fee waiting for you.
Of course, everyone must know this. Everyone takes it on the same day and returns it on the same day. It doesn't need interest, only a handling fee.
The interest-free period of credit card consumption is conditional, that is, you must repay in full before the repayment date. If only the minimum repayment amount is paid, the interest will be calculated in full, although it will not cause bad news of overdue.
Related repayment
Some people may say that I linked a debit card and set up automatic repayment. No matter how many pits I have, I can't be cheated.
If you think so, there may be a bigger pit waiting for you.
Because credit card repayment still has a problem of pressing the card or the account, one thing you must keep in mind! I can't figure this out. I'll wait for you after the deadline
Find out which banks are pressing cards and which banks are pressing households, and make relevant repayments in a targeted manner.
How to pay by installment in ICBC?
1, WeChat processing (Apple11IOS15.0.2 WeChat version 10.2.36): Add ICBC's credit card WeChat service number and click My Service to process it.
2. Telephone handling: Call ICBC Credit Card Issuing Center 95508 and press 1#0 to apply manually.
3. Online banking processing: log in to ICBC credit card issuing official website (i.e. browser), enter the user name and password, and log in to online banking for processing.
4. SMS processing: send the last four digits of CZF (such as CZF8888) to 95508 to inquire about the installment amount of the bill; Send the latest four issues of SZF (such as SZF8888 12) to 95508 for staging.
Matters needing attention
1. The total amount of installment payment and handling fee cannot exceed the available amount of the credit card account. The amount deducted in each period is regarded as the consumption of the current month and enjoys an interest-free repayment period.
2. The application for installment payment through 95588 shall be made within three working days from the day after the consumer transaction is recorded to the due repayment date of the consumer transaction.
3. The day of installment payment is the first deduction date, and the deduction dates of subsequent installments are the same as the first deduction date. If the number of days in the subsequent repayment month is less than the first deduction date, the deduction date of that month is the last day of that month.
4. Customers who have paid by installment can apply for extending the unpaid amount, but the same installment business can only be extended once, and the handling fee rate is the same as the installment fee rate.
5. Apply for prepayment without prepayment fee.
How to charge the installment fee of ICBC?
Handling fee per period = handling fee rate of principal payable per period.
If ICBC is divided into stages, the handling fee rate will be different according to the number of stages and the different collection methods. The benchmark costs are as follows:
The third installment fee 1.65%, the sixth installment fee 3.6%, the ninth installment fee 5.4%, the first installment fee 12 7.2%, the first installment fee1.7%, and the 24th installment fee 15.6%. The specific installment rate is subject to the results displayed on the user application page.
How to handle installment repayment with ICBC credit card?
If you have a peony credit card, the card and account are in normal condition. If you meet the requirements and need to apply for consumption installment, you can apply from the date when the consumption transaction is recorded to the due repayment date (inclusive).
You can log in to mobile banking and apply for credit card installment payment through the function of "Credit Card-Installment Payment".
In addition, you can also handle installment payment through online banking, ICBC e-Life app, SMS banking (SMS installment is only for customers who receive installment marketing messages), manually dialing 95588, holding a card and valid personal identification, and through designated business outlets and smart terminals of the outlets where you handle the card.
(Answer time: April 2, 20221. In case of business changes, please refer to the actual situation. )
How to installment ICBC credit cards?
China Industrial and Commercial Bank credit card installment payment method:
You can go to online banking (icbc.com.cn) for installment, go to the home page and click "Credit Card", then click "Installment Payment" in business processing, and then follow the prompts.
You can apply at the counter of ICBC's branch with your ID card and credit card, and consult the staff at the branch to help you with it.
ICBC credit card is the credit card with the highest circulation in China. The main types of ICBC credit cards are: Peony International Credit Card, Peony Credit Card and Peony Credit Card; ICBC credit cards are divided into: Peony Visa Card, Peony MasterCard and Peony American Express Card by brand; According to the credit rating, it is divided into: platinum card, gold card and ordinary card; According to the issuing object, it is divided into business cards and personal cards, in which personal cards are divided into main cards and auxiliary cards.
Mudan international credit card
Peony International Credit Card is an international credit card product launched by Industrial and Commercial Bank of China. International cards are commonly used at home and abroad, and are settled in RMB and a designated foreign currency. Peony International Card adopts the circulating credit transaction mode, and overdraws consumption within the credit limit. If you repay in full before the due date, you can enjoy the interest-free repayment discount. This card is universal.
Peony credit card
Peony Credit Card is a credit card issued by Industrial and Commercial Bank of China, which gives the cardholder a certain credit limit, within which the cardholder can spend first and then repay. The credit card adopts the circulating credit transaction mode, and overdraws consumption within the credit limit. If you repay in full before the due date, you can enjoy the interest-free repayment discount.
Peony Credit Card can be used in China, Hongkong, China, Macau, China, and UnionPay acceptance points in Thailand, South Korea and Singapore. It is settled in RMB and has the functions of transfer settlement, cash deposit and withdrawal, credit consumption and so on.
Peony credit card
Peony Credit Card is a credit card issued by Industrial and Commercial Bank of China, which is limited to RMB credit cards used in People's Republic of China (PRC). Settlement in RMB, with credit consumption, transfer settlement, cash deposit and withdrawal and other functions. Peony credit cards are divided into business cards and personal cards according to different card issuers; According to different credit ratings, it is divided into gold cards and ordinary cards.
If it is a universal card, it can automatically increase the credit limit.
If the card meets the following criteria and has no bad credit record, ICBC can automatically upgrade the credit limit:
After the account has been opened for not less than 3 months and the consumption exceeds 500 yuan (inclusive), the credit line can be adjusted to 500 yuan;
Reach the level of credit line in 500 yuan, and the credit line can be adjusted to 1000 yuan at least 3 months after the cumulative consumption of 500 yuan (inclusive);
It has reached the credit line level of 65,438+0,000 yuan and accumulated consumption is above 500 yuan (inclusive). After at least 3 months, the credit line can be adjusted to 2,000 yuan.
If the local card issuer has special regulations, this service is not applicable.
You can also call the customer service hotline of ICBC, select 2 Manual Service -2 Credit Card Service, and propose credit limit adjustment. The adjusted credit line is not higher than 2000 yuan.
How does ICBC credit card repay in installments?
ICBC credit card installment repayment method is as follows:
1. ICBC designates special merchants to spend by credit card, and can directly apply to the cashier for installment payment.
2. Between the consumer transaction and the due repayment date, you can easily apply by directly dialing 95588 to transfer to labor; Handling channels include ICBC outlets, 95588 telephone banking, online banking, mobile banking, self-service terminals, SMS, etc.
Telephone processing flow:
3. You can transfer the booked consumer transactions within the interest-free period to installment payment through "Bank Card Account-Credit Card-Installment Payment-Setup Installment Payment" or "Home Page-Loan-Installment Payment-Setup Installment Payment".
Extended data:
Precautions:
1. The total installment payment and handling fee cannot exceed the available amount of the credit card account. The amount deducted in each installment is regarded as the consumption of the current month and enjoys the interest-free repayment period.
2.
The application for installment payment through 95588 shall be made between the date of consumption transaction and the due repayment date. Handling channels include ICBC outlets, 95588 telephone banking, online banking, mobile banking, self-service terminals, SMS, etc.
3.
The date of installment payment is the first deduction date, and the deduction dates of subsequent installments are the same as the first deduction date. If the number of days in the subsequent repayment month is less than the first deduction date, the deduction date of that month is the last day of that month.
4.
Customers who have paid by installment can apply for extending the unpaid amount, but the same installment business can only be extended once, and the handling fee rate is the same as that of installment.
5.
Apply for prepayment, and the prepayment fee will be exempted.