Hello, in terms of consumption patterns, our bank currently has "shopping installments during consumption" and "bill installments after consumption":

1. Shopping installments: that is, through Our bank's authorized merchants can choose to purchase designated goods or services by installment payment. You can log in to our bank's credit card website/StepShop/?, select your city to check the merchant stores that can handle installments and the installment fee standards. Note: You can only apply if the available credit limit of your credit card is sufficient to pay the total installment amount. Our bank provides interest-free installment payment business. , providing customers with interest-free monthly payment benefits. Customers can use our bank's credit card account to pay the price of the product in monthly installments during the repayment period. As long as the bill is repaid in full before the monthly payment due date, you can enjoy it. Interest-free period. However, there will be an installment handling fee. Please refer to the merchant's display for the handling fee (if you purchase installment products in the credit card mall through our bank's credit card website, you do not need to pay the handling fee).

2. Bill installment (only cardholders holding commercial cards, official cards (including financial official cards), purchase cards, ANA guaranteed cards or supplementary cards cannot apply): If the merchant you are shopping at is not Our bank's special merchants can apply for bill installment after consumption. Bill installments are interest-free, but there is a handling fee. Handling fee per period = total installment amount × handling fee rate per period. The minimum handling fee per period is 5 yuan, 0.9% for 3 periods, 0.75% for 6 periods, 0.70% for 10 periods, and 0.75% for 12 periods. 0.66% per period, 0.68% for 18 periods, and 0.68% for 24 periods. Whether the application for bill installment is approved shall be subject to the comprehensive assessment result of our bank's credit card center. For details, please log in to the credit card website /? and click "Financial Installment" - "Bill Installment" to query.

If you have any questions about other China Merchants Bank credit cards, please search 4008205555 in QQ corporate friends and add China Merchants Bank Credit Card Center as a friend; or search the number "cmb4008205555" in WeChat and follow China Merchants Bank Credit Card Center for consultation. Thank you for your attention and support to China Merchants Bank!