1. Promote installment payment.
2. The credit card is controlled by the wind.
Here are two reasons in detail:
1. You can choose whether to promote the installment payment business according to your customers' wishes. It doesn't matter much. However, if you do this, it is estimated that it will be easier to increase the amount.
2. The credit card is controlled by the wind. For example, if the cash is found by the bank, call it and let it be processed by stages, otherwise the card may be downgraded.
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Credit card installment payment refers to the business that when a cardholder uses a credit card to make a large amount of consumption, the issuing bank pays the consumption funds of the goods (or services) purchased by the cardholder to the merchant in one lump sum, and deducts the consumption funds through the cardholder's credit card account in stages according to the cardholder's application, and the cardholder repays the money according to the monthly recorded amount.
Most domestic banks have credit card installment business. Installment payment is generally divided into POS installment, "mail order installment" and bill installment according to different occasions.
Shopping mall staging, also known as POS staging, refers to cardholders going to shopping places, such as "shopping malls" that can be staged.
When you check out, you need to pay by installment with a credit card supported by the mall. Then the cashier will swipe the card on the special POS machine according to the number of periods required by the cardholder (such as 3 periods, 6 periods, 12 periods, etc.). There are also a few shopping malls that support the 24 th issue).
Mail-order installment means that the cardholder receives the installment mail-order catalog manual sent by the issuing bank (or the online installment mall of the bank) and chooses from the limited commodities. Then the bank orders in installments through online installment mall, telephone or fax installment application form, etc.
Generally, there is no handling fee for mail order installment regardless of the number of installments. However, due to the long ordering cycle (in many cases, it takes more than 15 working days to get the goods), and the return is relatively complicated. It is recommended to compare before buying.
Bill installment is the most convenient installment method, which is basically supported by all issuing banks and is simple to apply.
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.
The disadvantage of bill installment is that it can't exempt the handling fee. The longer the number of installments, the higher the handling fee, and the cardholder must bear it himself.