One: credit card bill installment is one of the types 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 to swipe 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.
Two: generally, you can accept the bill installment application by calling the customer service center of the issuing bank or telephone banking. ICBC cardholders can handle installment payment at ICBC outlets, ICBC online banking, telephone banking and mobile banking, and China Merchants Bank can handle it at the bank's online banking. Relevant persons of CCB reminded cardholders that although all banks have introduced bill installment payment, it does not mean that every cardholder can pay by credit card installment.
Third, banks should generally evaluate the credit status of cardholders according to their credit limit and credit records of card consumption. Only after the assessment is passed can the cardholder make installment payment smoothly; If the evaluation result is not satisfactory, the bank may reject the cardholder's application for installment payment, or fail to give the cardholder the amount of installment payment he wants. Cardholders can fully consider their own financial situation and apply for installment by telephone.
Four: 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 due repayment date.
Five: The minimum consumption of banks applying for installment is basically between 500- 1500 yuan, including ICBC 600 yuan, CCB, BOC, CMB 1000 yuan, BOCOM 1500 yuan (Y-power card is a single 500 yuan), CITIC 1200 yuan, ABC and Zhaobing. Everbright Bank does not require the amount. As long as the cardholder uses the designated card, the bill will be automatically divided into 12 installments.
Six: This is the most convenient installment method, and all card-issuing banks can basically support this installment method, and the application is simple. Users only need to apply to the issuing bank for installment by phone after spending their credit cards and before sending monthly bills. However, it should be noted that banks will stipulate some special circumstances, such as speculative credit cards can not be successful in installments. So before the trial run, be sure to read the trial run manual carefully.