How to apply for bill installment with China Construction Bank Credit Card? Five ways to apply quickly

China Construction Bank has always had a good reputation among people. Most people will choose China Construction Bank when applying for a credit card. People are also paying close attention to all aspects of China Construction Bank's credit card business. For example, bill installment. So, how to apply for bill installment with China Construction Bank Credit Card? Let me answer it for you today.

1. WeChat application

You can follow the WeChat public account of China Construction Bank Credit Card, follow it and bind the China Construction Bank Credit Card you want to carry out bill installment, and then click " Credit Card", select "Bill Installment", and then click "Click here to apply" to apply for bill installment for your credit card.

2. Telephone application

You can directly call China Construction Bank’s customer service hotline at 400-820-0588 or 95533, and enter relevant information according to the prompts.

3. SMS application

You can use the mobile phone number you registered when applying for the card to edit the text message "CCZZ#last 4 digits#amount#issue" and send it to 95533. You can then apply for bill installments for your credit card.

IV. Online banking application

Customers who have opened online banking can log in to China Construction Bank’s online banking, enter the “Credit Card” interface, select “Credit Card Inquiry”, and then select “Inquiry Issue a bill" and click "Apply for Bill Installment".

5. Mobile Banking Application

You can log in to the China Construction Bank mobile client on your mobile phone, then "Credit Card", and then click "Bill Installment Application".

The main ways to apply for bill installments for China Construction Bank credit cards are those summarized above. These methods are very simple to operate, and are also quick and convenient. Friends who want to apply for bill installments for their own China Construction Bank credit cards You can operate according to the above content.

How to make installment repayment of China Construction Bank Credit Card? You need to know these application methods

How to repay the installment payment of China Construction Bank Credit Card

How to repay the installment payment of China Construction Bank Credit Card return? Some friends have applied for bill installments, but don’t know how to repay them. They are afraid that if they are not careful, their credit report will be affected. Friends who have related worries, don’t worry. Xiaocai is here to answer your questions.

The application method for CCB credit card installment repayment is as follows:

1. WeChat application

A. Follow the "CCB Electronic Banking" public account;

B. Bind a credit card, click "Credit Card" - "Bill Installment" - "Click here to apply for installment".

2. SMS application

Use the mobile phone number reserved by China Construction Bank, edit the text message "CCZZ#last 4 digits#amount#number of installments" and send it to 95533, and you can apply for installment repayment. payment.

3. Mobile banking application

Enter "CCB Mobile Banking", click "Credit Card" - "Bill Installment Application", and follow the reminder to enter.

4. Online application

Log in to the official website of China Construction Bank, personal online banking, please click Apply for Bill Installment, and select "Credit Card Inquiry - Preference - Query Issued Bills - Apply for Bill Installment".

After entering the credit card channel, the registered customer clicks to apply for bill installment, and the preferred option is "- Bill issued - RMB - Apply for bill installment".

For example, if you are applying for bill installments now, the total installment amount will be 6,600 yuan. Then this month, you only need to pay back the remaining uninstalled money, which is 1,400 yuan (9000-1000-6600 ), and the installment part is calculated based on 6 installments, the principal of each installment = 6600/6 = 1100 yuan, and the handling fee of each installment = 66000.63 = 41.58 (his bill installment base rate, 6 installments is 0.7 per month, Apply before 12/31 to get a 10% discount), the total *** handling fee for 6 periods = 41.586 = 249.48 yuan.

Each installment repayment = 110041.58 = 1141.58 yuan. This amount will be settled on the next installment's bill, and there is no need to pay this installment.

How to repay in installments with CCB credit card

Operating environment:

Brand model: OnePlus 10Pro

System version: ColorOSV12.1

App version: v5.6.7

The CCB credit card installment application method is as follows:

1. CCB credit card SMS application for installment. Use the mobile phone number reserved with China Construction Bank, edit the text message "CCZZ#last 4 digits#amount#issue" and send it to the official phone number of China Construction Bank to apply for installment repayment.

2. CCB credit card mobile banking installment. Enter "CCB Mobile Banking", click "Credit Card" - "Bill Installment Application" and fill in the information as prompted.

3. CCB credit card online installment. After logging into the official website of China Construction Bank, personal online banking users select "Credit Card Inquiry" - "Select" - "Query Issued Bills" - "Apply for Bill Installment".

4. CCB credit card phone installment. To apply by phone, call the CCB credit card customer service number, enter the information and follow the prompts.

CCB Credit Card is a credit card issued by China Construction Bank. All credit cards issued by China Construction Bank are named "Dragon Card", and the types include: Dragon Card Prestigious School Card, Dragon Card Business Card, Dragon Card Car Card, etc.

Knowledge

No annual fee policy: swiping the Gold Card 3 times or 18 times will waive the annual fee for the following year (excluding business cards, car cards and other special cards)

Cash withdrawal handling fee: Domestic: 5‰ of the transaction amount, minimum 2 yuan, maximum 50 yuan; overseas: 3‰ of the transaction amount, minimum 3 US dollars.

Multiple account management: Limit ***Enjoy multiple CCB cards with the same billing date and independent repayment

Online payment: Alipay: You can use it after online registration, single payment and single payment The daily limit is 500 yuan

Instalment business: interest-free installments (3, 6, and 12 installments) from specific merchants are supported. After a single purchase of more than 1,000 yuan, you can call to apply for installments (3, 6, 12, 18, 24 installments). Each installment will incur different handling fees depending on the number of installments

Billing date: every month There are multiple billing dates, and the cardholder can change it once a year during the validity period of the card

Currency: RMB, RMB/USD, RMB/EUR.

Interest

During the interest-free repayment period: The interest-free repayment period refers to the interest-free period for consumption transactions enjoyed by cardholders who repay in full on time. The interest period starts from the bank accounting date to the repayment date, with a minimum of 20 days and a maximum of 50 days. Overdraft cash withdrawal transactions do not enjoy the interest-free repayment period.

Tips:

If you fail to repay the loan in full before the due payment date, you will not enjoy the interest-free period. China Construction Bank will charge interest at a daily rate of 5/10,000 and compound interest on a monthly basis. The interest accrual date is from the date of consumption to the repayment date, and the interest accrual principal is calculated based on the actual amount payable.

If you fail to repay before the due payment date or the repayment amount is less than the minimum repayment amount, China Construction Bank will not only charge interest according to regulations, but also charge the unpaid portion of the minimum repayment amount. 5. Charge late fees.

That’s it for the introduction on how to apply for CCB credit card installment payment.