Postal savings bank credit card bill installment process:

1. Applicant's conditions: the main cardholder of an individual card can apply to convert part of the balance in the bill into installment payment, but the supplementary cardholder cannot apply for installment payment;

2. Application time: from the day after the bill date to 4 days (inclusive) before the due repayment date;

3. Application channel: the credit card host calls the 24-hour credit card customer service hotline of the Postal Savings Bank (hereinafter referred to as "credit card customer service") and sends an uplink message through online banking, mobile banking or;

4. Scope of application of the transaction: it can only be applied to the consumption transaction in the bill issued in the previous period, and the non-consumption amount that has been included in the minimum repayment amount cannot be applied for bill installment;

5. Limit of application amount: the initial amount of application for bill installment is that the consumption amount of the previous bill is greater than or equal to 800 yuan (inclusive), and the maximum amount does not exceed the balance of the previous bill; The non-consumption amount that has been included in the minimum repayment amount cannot be phased;

6. Number of application periods: Postal Savings Bank provides three periods, six periods, 12 periods, 18 periods and 24 periods in five periods, each period 1 month.

7. Handling fee: All fees, regardless of the application amount, will be charged on schedule (monthly), and 0.6% of the total installment principal will be charged for each installment.

8. Business processing mode

(1) When handling credit card customer service, the cardholder must inform the customer service staff of the application amount and application period, and the customer service staff will immediately inform the successful acceptance result.

(2) When the cardholder conducts business through online banking, he logs in to the personal online banking of China Postal Savings Bank, selects the credit card number to apply for bill installment, and fills in the amount of bill installment. After the application is successful, the page displays detailed information such as the number of installments, installment fee, repayment of each installment, etc.

(3) When the cardholder applies through the uplink SMS, he/she needs to send the specified code "FQZD# Card number # Amount # Last four digits of the issue number" to 95580. After the application is successful, 95580 will immediately reply to the downlink SMS to inform whether the application is successful;

9. Limit of processing times: In an accounting period, cardholders can only apply for bill installment once. If they cancel on the same day, they can apply for bill installment again.