Credit card repayment channel of China Merchants Bank: You can choose the repayment method that suits you, such as online repayment, Alipay and WeChat repayment.
How to handle installment repayment with China Merchants Bank credit card?
In terms of consumption patterns, China Merchants Bank currently has cash installment before consumption, shopping installment during consumption and bill installment after consumption. You can refer to which one suits your needs:
1. Cash installment is a business that China Merchants Bank provides you with cash withdrawal and installment repayment. You can directly transfer your credit card to your own card or debit card of other banks, and spend it with one card. In the future, you should upload the consumption receipt regularly. One card of China Merchants Bank is online 50,000 a day, and the other one is online 30,000 a day. After the application, the system will review it in real time, and lend money within 18 hours, providing 3-24 installments.
2. Shopping by installments: through our special merchants, we choose to buy the designated goods or services by installments. The specific charging standard of installment payment and the merchants that can handle it;
3. Bill installment (only cardholders of business cards, business cards (including financial business cards), shopping cards, ANA protection cards or supplementary cards cannot apply): If the merchant you shop is not a special merchant of our bank, you can apply for bill installment after consumption. Bill installment is a new financial management function launched by our credit card, which can help you repay the consumption amount in your bill in monthly installments. Whether the bill installment application is approved or not shall be subject to the comprehensive evaluation results of our credit card center. Handling fee per installment = total amount = single installment rate. At present, there are 2 -36 issues, and the commission rate for a single issue is 0%~ 1.67%. After the application, the system will make a judgment.
When is the cash installment repayment date of China Merchants Bank? How to repay China Merchants Bank in cash installments?
With the continuous improvement and enhancement of people's consumption level and desire, the installment business of bank credit cards is favored by the public, which can withdraw cash and repay in installments, making people richer. So when is the repayment date of the most extensive cash installment business of China Merchants Bank, and how is the cash installment of China Merchants Bank repaid? Help you answer.
China Merchants Bank's cash installment business is supported by a credit card, and the specific billing date and repayment date follow the credit card. Generally, the billing date provided by China Merchants Bank is the 5th, 7th, 10, 12, 15, 17, 20th, 22nd and 25th of each month. Specifically, when does the bank determine the repayment date according to the date when you apply for the card? Generally, it is 12 after bookkeeping. The repayment time is the period from the bookkeeping date to the end of the repayment date. The inside page of the envelope for mailing a credit card will clearly indicate the billing date and repayment date of the card.
For example, if Xiao Wang's bill date is 16, then her bill for this month, that is, May 16, includes all the consumption from April 16 to May 16. Her repayment date is June 4th, as long as the consumption amount from May 16 to June 4th and the current handling fee are paid back.
If you need to change the billing date and repayment date of cash installment, you can directly call the customer service hotline 4008205555 and ask the staff to help you change it. The next issue will not take effect until the date is changed, and it can only be changed twice a year. The bank will not accept it for the third time.
In fact, the problem of cash installment repayment of China Merchants Bank has also been solved for you. As long as you deposit the full amount (including the current cash installment principal and handling fee) into the bound savings card after the billing date, the system will automatically transfer the money.
Then some people will ask, what should I do if I forget to repay on the repayment date? Of course, you should put the money into the repayment bank card as soon as you think of it, and call the bank's customer service hotline to ask how to deal with it and its impact.
Customers who have handled the credit card cash business of China Merchants Bank must find out when the billing date and repayment date of cash installment are, and how to repay the cash installment of China Merchants Bank.
Can China Merchants Bank apply for credit card cash installment repayment?
Reminder, the cash installment applied in China Merchants Bank can be used for repayment. For more information about how to apply, please see this article.
After you successfully apply for cash installment, the money will be transferred to your valid one-card account opened in China Merchants Bank.
Cash installment shall not be used for investment (including but not limited to equity investment such as house purchase, stock and futures), but only for consumption (including but not limited to decoration, household appliances, wedding, car purchase, student aid, tourism, medical care, etc.). ).
The cardholder must keep the relevant vouchers for cash payment, and the bank has the right to consult the vouchers at any time.
The cash installment of China Merchants Bank can be used for repayment, as long as you can find ways to upload your usual consumption vouchers according to the requirements of the bank.
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Can China Merchants Bank credit card cash installment be repaid in advance? How to repay in advance by cash installment?
Generally speaking, the credit card cash installment business of China Merchants Bank can be repaid on time by choosing the appropriate number of installments, but if it is necessary to repay in advance, can China Merchants Bank repay in advance by credit card installment? How to prepay?
1, China Merchants Bank can repay in advance by cash installment.
After the credit card cash installment business of China Merchants Bank is successfully handled, if one day you have sufficient funds and want to pay off in advance, it is also possible. It is worth noting that the handling fee of China Merchants Bank's cash installment business is charged at one time, that is to say, after the consumer successfully handles the cash installment business, the repayment amount of the first installment bill includes all the handling fees of the period. One-time handling fee is not refundable. Moreover, if the handling fee is deducted by stages, the remaining handling fee needs to be settled in advance.
In short, as long as you choose to repay in advance, the interest will be paid later.
2. How to repay in advance
China Merchants Bank needs to call China Merchants Bank credit card customer service hotline 4008205555 to apply for cash installment prepayment. After the application is approved, the unsettled installment payment and the remaining unsettled handling fee must be paid in one lump sum, and the received installment fee will not be refunded. As for China Merchants Bank, it reserves the right of examination and approval without passing the credit card center of China Merchants Bank.
3. Matters needing attention in handling cash installment payment
When you successfully handle the cash installment, you need to keep the consumption voucher of each cash payment and upload it to official website Credit Card of China Merchants Bank within the specified time for the bank to read at any time. If the consumption voucher does not meet the scope of application of the cash installment agreement, or it cannot be proved that the above cash payment is used for the agreed purpose, this behavior will be judged as a breach of contract, and the bank will require you to repay the installment balance and the remaining handling fee in one lump sum (but not limited to).
If the whole family needs to return the card, it is also necessary to return the card in advance at one time, including the remaining principal and unpaid handling fee.
China Merchants Bank's credit card cash installment business can be paid off in advance, but the handling fee will be collected as usual. In this way, it is not cost-effective to choose early repayment.
This is the end of the introduction of how to repay the cash installment of China Merchants Credit Card and China Merchants Bank Credit Card. I wonder if you have found the information you need?