How to arrange credit card repayment installments?
What are the methods of credit card installment:
1. Bill installment
Bill installment means that the cardholder cannot repay the debt in one go and applies to the bank to transfer the consumption in the current period. The amount is returned to the bank in installments at certain intervals, and the bank charges a certain proportion of the installment fee.
This is the most commonly used method of credit card installment, which can help cardholders relieve the pressure of repayment in the current period. However, only the current consumption amount can be installmentd, such as cash withdrawals, various interests, and fees are supplementary installments. of. No interest will be charged for installment, but handling fees will be incurred.
Moderate bill installments can also contribute to the bank and help increase credit card limits.
2. Consumption installment
Consumption installment means that after the cardholder swipes the card for consumption, when the consumption amount reaches the bank's conditions for applying for installment, if he cannot pay it off in one go, he can apply for installment payment. The bank applies to divide the consumption amount into multiple repayments.
The consumption installment of credit card is similar to the installment payment in Alipay Huabei or JD Baitiao. Perhaps many people are more accustomed to using the latter two and do not know that credit cards have similar functions.
3. Cash installment
Cash installment is when the cardholder applies to convert the credit limit in his credit card into cash and transfers it to the debit card account designated by the cardholder. The cardholder must return the card in a timely manner according to the installment terms agreed upon by both parties.
This kind of installment is used when the cardholder needs cash urgently. Since the function is similar to that of credit card cash withdrawal, but the application process is relatively complicated, more people will choose the latter.
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How to repay in installments with a credit card
When you are under pressure to repay funds, choosing to repay in installments with a credit card can relieve your financial pressure and will not affect your personal credit report. Condition.
The common ways to choose credit card installment repayment are as follows. You can choose according to your own needs:
1. Telephone application method. Nowadays, many customer service staff of banks will call to ask whether they need to apply for credit card installments before the repayment date. You can choose from 3 months, 6 months, or 12 months according to your repayment ability. At the same time, you can also take the initiative to apply by phone or edit a text message to the credit card SMS platform to apply;
2. Log in to the bank's official website, enter the credit card center, apply for the credit card installment repayment business, and click on the amount you need to apply for the installment. Just confirm the repayment cycle;
3. Follow the credit card official account, enter the credit card installment in the query column, and the content of the installment business will pop up, and you can make the corresponding selection according to your own needs. Just go through it;
4. Go to the bank counter to handle it. If you have any questions, you can directly consult the bank counter staff for face-to-face communication.
Nowadays, credit card installment business is a regular service launched by various banks, and everyone can handle the business according to their actual needs.
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How to repay a credit card in installments
1. After the credit card is repaid in installments, you can use mobile banking. Third-party payment platform, ATM machine, automatic repayment with bound bank card, and repayment at the counter.
2. Specifically:
Computer operating environment: Apple Computer A1466Window10 system
Mobile phone operating environment: Xiaomi 12MIUI12.5.13
1. Mobile banking. Now all major banks have their own mobile apps. After downloading, you can log in to your account to pay off your credit card;
2. Third-party payment platforms, such as Alipay and WeChat, are available on these software. There is a credit card repayment function, and you can repay after binding the bank card;
3. To pay at the ATM machine, just insert the credit card directly into the ATM machine and then deposit money;
4. Associate your bank card with your credit card, and the system will automatically deduct the money from your bound bank card on the repayment date;
5. You can also repay at the counter of a bank outlet, and you need to bring your identity. certificate, credit card.
3. Installment payment:
1. Installment payment (PaybyInstallments) is mostly used in some product transactions with long production cycles and high costs. Such as the export of complete sets of equipment, large-scale vehicles, heavy machinery and equipment and other products. The method of installment payment is that after the import and export contract is signed, the importer first pays a small part of the payment to the exporter as a deposit, and the rest of the payment is paid after part or all of the product is produced, shipped, or after the goods arrive for installation and test run. , investment and repayment in installments when the quality guarantee period expires.
2. Installment payment is actually a loan provided by the seller to the buyer. The seller is the creditor and the buyer is the debtor. The buyer can obtain the required goods or services after paying only a small part of the payment. However, because future installment payments include interest, the amount paid for the same goods or services by installment payment is higher than that of a one-time payment. The payment for goods is more. On the one hand, the installment payment method allows sellers to complete promotional activities, and on the other hand, it also provides convenience to buyers.
3. The characteristic of installment payment is that after the import and export contract is signed, the importer first pays a small part of the payment to the exporter as a deposit, and most of the remaining payment is made during partial or full production of the product. Payment will be made in installments after completion of shipment, or when the goods arrive for installation, commissioning, investment and the expiration of the quality guarantee period. The buyer and seller sign a contract when the transaction is concluded, and the buyer pays the seller in installments for the purchased goods and services within a certain period of time. The date and amount of each delivery of goods are stated in the contract in advance.
4. Most domestic banks have credit card installment services. Installments are generally divided into shopping mall (POS) installments, "mail order installments" and bill payments through the Internet, mail, etc. depending on the occasion. installment.
How to apply for installment payment with CCB credit card
If you want to apply for installment payment with CCB credit card, you can adopt the following methods:
Operating environment: iphone12 China Construction Bank 5.6.1.002
1. Log in to CCB Personal Online Banking, click to enter the "Credit Card" page, select "Card Account Transactions"; then select "Credit Card Installment"; then select "Consumption Installment Application"; then click what you need Installment transaction records; then follow the system prompts to apply.
2. Log in to the latest version of China Construction Bank’s mobile banking client, click “Credit Card”, select “Instalment Repayment”, and then click the “Consumption Installment” menu to apply.
3. Follow the "China Construction Bank" official account on WeChat, then enter the official account, click the "Credit Card" option, enter the "Business Processing Hall", then click "" on the page, and click "For You can apply through the "Consumption Installment" menu if you recommend it.
Everyone needs to note that the CCB installment payment service requires cardholders to apply for a single purchase of more than 300 yuan (inclusive) or equivalent, and the application must be made 2 days before the latest bill date. Only then (consumption must be between the time the consumption transaction is recorded and 3 working days before the latest bill date).
1. CCB Credit Card is a credit card issued by China Construction Bank. All credit cards issued by China Construction Bank are named "Dragon Card", and the types include: Dragon Card Prestigious School Card, Dragon Card Business Card, Dragon Card Car Card, etc.
Annual fee-free policy: No annual fee for the following year if you swipe the card 3 times or 18 times (excluding business cards, car cards and other special cards). Cash withdrawal fee: Domestic: 5‰ of the transaction amount, minimum 2 yuan, maximum 50 yuan; overseas: 3 of the transaction amount, with a minimum of 3 US dollars. Multi-account management: Maximum credit limit enables you to enjoy the same repayment on multiple CCB cards on the billing day. Independent online payment: Alipay: You can use it after online registration. The single and single-day limit is 500 yuan. Installment business: Supports interest-free for specific merchants. Phases (3rd phase, 6th phase, 12th phase). After a single purchase of more than 1,000 yuan, you can apply for installments (3, 6, 12, 18, 24 installments) by phone. Each installment will have different procedures depending on the number of installments. Billing date: There are multiple billing dates per month, and the cardholder can change it once a year during the validity period of the card. Currency: RMB, RMB/USD, RMB/EUR
2. During the interest-free repayment period: The interest-free repayment period refers to the consumption transactions enjoyed by cardholders who repay in full on time. The interest-free period is from the bank accounting date to the repayment date, with a minimum of 20 days and a maximum of 50 days. Overdraft cash withdrawal transactions do not enjoy the interest-free repayment period.
3. Tip: If you fail to repay in full before the due payment date, you will not enjoy the interest-free period. China Construction Bank will charge interest at a daily rate of 5/10,000 and compound interest on a monthly basis. The interest accrual date is from the date of consumption to the repayment date, and the interest accrual principal is calculated based on the actual amount payable. If you fail to repay before the due repayment date or the repayment amount is less than the minimum repayment amount, China Construction Bank will not only charge interest according to regulations, but also charge a late payment fee of 5% of the unpaid portion of the minimum repayment amount.
How to apply for installment repayment with a credit card
How to apply for installment repayment with a credit card:
1. Handle at an outlet: Cardholders can bring their ID card and credit card to the In the bank business hall, apply for a credit card installment from the staff, and then fill in the application form. After filling it out, you can apply. (Jingxiang said card A)
2. Customer service phone processing: Cardholders can call the customer service phone number of the credit card center, follow the prompts to connect to the manual service, and provide the ID number and credit card as required, and then the process can be processed.
3. WeChat processing: Cardholders can follow the credit card center’s public account on WeChat, and then find the installment payment entrance in the menu bar below WeChat to handle it.
4. Online banking processing: Cardholders can log in to the official website of the card issuer, find the credit card column, select the installment payment business, and then log in to their personal account to handle it.
This is the end of the introduction on how to get credit card installment and how to get credit card installment. I wonder if you found the information you need?