When a credit card customer swipes a card on the merchant POS, ICBC will send an invitation message to the qualified customer, and the customer can handle the installment payment business by replying to the message. After the installment is successful, ICBC will deduct the installment amount and handling fee on schedule according to the time limit agreed with the customer, and the customer will repay the loan in monthly installments.

Characteristics and advantages of credit card short message staging

Efficient and convenient-you can apply for installment payment by sending SMS, which is convenient and quick.

All-weather service -7 × 24 hours.

Flexible number of periods-6 periods, 12 periods and 24 periods are optional.

Credit card short message installment payment processing flow

The customer receives the invitation message of our bank to handle the installment payment business-forward this message to 95588-reply the transaction code "FQ# installment number" to 95588 according to the message prompt-and get the processing result.

At present, the short message installment service is only for customers who have customized the balance change reminder short message. The invitation short message for business processing will be sent to you after the balance change reminder short message is sent. It is suggested that you customize the balance change reminder short message. And at present, the short message service for reminding balance changes is free. Short message staging means that the system automatically triggers marketing short messages for consumer transactions that meet the requirements of short message staging, invites customers to transfer their consumption to staging business, and the customers handle it by replying to short messages. If you don't receive an invitation message from ICBC, you can't send a message directly to make an installment payment for a certain consumer transaction.