Bank of Communications credit card balance installment
Cardholders of Bank of Communications credit cards (except quasi-business cards, quasi-credit cards, installment cards and Boss cards) can apply for installment business by calling the credit card customer service hotline, logging into online banking, mobile banking, credit card official website or other channels designated by Bank of Communications. The single consumption in the cardholder's credit card account or the consumption arrears in the account meet the installment amount conditions (the total amount of single consumption or consumption arrears in the account is RMB 65,438+0, 500 yuan or US$ 65,438+000, or the total amount of consumption arrears in the Y-Power credit card account of Bank of Communications is RMB 50,000 or US$ 65,438+0,5700) and does not exceed RMB 350. 000 yuan or US$ 65, the consumption debt in 400 yuan refers to the outstanding balance of the credit card account caused by overdraft consumption of the cardholder, excluding various interest charges charged by the bank, cash withdrawal and transfer transactions of the cardholder and debts that have been processed by stages. Supplementary cardholders can only apply for installment payment for a single consumer transaction they have implemented.
If the cardholder applies for installment payment for a single consumption, the actual amount of the installment payment transaction (hereinafter referred to as "installment amount") is the lower of the original transaction amount and the consumption arrears of the corresponding currency account of the credit card at the time of the actual installment payment transaction, and the cardholder shall not arbitrarily select or change the installment payment transaction amount. However, due to credit card repayment or any other reasons, when the credit card is converted into installment transaction, the balance of consumption arrears in the corresponding currency account is lower than RMB 500 yuan or US dollar 60 yuan (Y-POWER credit card is lower than RMB 100 or US dollar 20 yuan), and the original transaction will not be converted into installment transaction; If the cardholder applies for installment payment of consumer arrears, he can choose any amount from the consumer arrears that meet the application conditions (subject to the above "installment amount conditions") to be converted into installment payment.
Cardholders can apply for 3, 6, 9, 12, 18, 24 and other installments within the scope allowed by the bank, once a month, counting from the first installment bill after successful application.