How to apply for bill installment with Postal Savings Bank Credit Card

Postal Savings Bank Credit Card can be used as an overdraft. The cardholder can choose to repay between the statement date and the repayment date. The repayment method There are three types of repayment: full repayment, installment repayment, and repayment amount. So how to apply for installment payment with Postal Savings Credit Card?

1. Single transaction installment

Credit Card Customer Service Center applies for single installment payment business through the customer service center, mainly including transaction time, transaction location, transaction amount, application period, The customer service center will immediately notify whether the acceptance is successful or not; customers can also handle business through online banking. After logging into China Post Bank Credit Card Personal Online Banking, choose to apply for a transaction installment credit card. Customers who have not yet issued a bill can also apply for a transaction installment credit card. After success, the page will Displays detailed information such as the number of installments, handling fees, and repayment amount per installment.

2. Installment bills have been issued

Cardholders can apply for installment payment through the Postal Bank Credit Card Customer Service Center, just inform the application number, and the customer service staff will immediately notify whether the application is successful or not. ; Cardholders can also apply for installment payment through the mobile app or online banking, log in to the mobile banking app or Postal Bank personal online banking, and after applying for installment, fill in the number and amount of the installment.

3. Merchant Installment

When settling the bill at the designated beneficiary bank, the cardholder should inform the merchant that it wants to handle the installment business, explain the number and amount of installments applied for, and provide personal information. Valid ID, use a postal card to swipe the card at the merchant's dedicated POS machine, the cardholder signs on the purchase form to confirm the transaction amount, number of installments, repayment amount, handling fee amount and other installment payment information. After the merchant confirms that it is correct, the cardholder Sign and confirm on the purchase form to ensure that you can consume in installments.

4. Electronic sales installment

Another situation is that the cardholder purchases goods or services through the electronic sales hotline, confirms the installment payment using the postal credit card, and confirms the number of installments and the amount can be processed.

How to operate the Postal Savings Bank credit card installment loan on the phone

Call the savings credit card customer service hotline.

PSBC credit card loan products mainly include transaction installment, bill installment, merchant installment and cash installment. Here, Mr. Xicai will tell you how to get a Postal Savings Credit Card loan using transaction installment and cash installment as examples.

Transaction Installment

Postal Savings Credit Card Transaction Installment Loan is mainly a product for installment of a single consumption bill. There are 5 application methods:

(1) Call the PSBC credit card customer service hotline and handle the installment payment through manual service;

(2) Log in to the PSBC mobile banking and enter the credit card installment;

(3 ) Log in to Postal Savings Bank’s personal online banking and apply for transaction installments in the credit card function bar;

(4) Send the text message “FQJY#last 4 digits#amount#issue” to 95580;

(5) Follow the Postal Savings Bank WeChat official account and apply for transaction installments in "Credit Card Happy Installment".

How to use the Postal Bank credit card bill installment SMS?

How to operate the Postal Bank credit card bill installment SMS?

How to operate the Postal Bank credit card bill installment SMS ：

1. Transaction installment: When cardholders apply through Postal Bank SMS, they need to send the designated program code "FQJY#last four digits#amount#issue" to 95580. After the application is successful, 95580 will process it immediately. Reply to the text message to inform you whether the application was successful or not.

Transaction installment: The starting amount of a single transaction to apply for transaction installment is 500 yuan (inclusive); a single transaction can only be converted into installments in full, and you cannot choose to convert part of the amount of a single transaction into installments;

2. Bill installment: When cardholders apply through Postal Bank SMS, they need to send the designated program code "FQZD#last four digits#amount#issue" to 95580. After the application is successful, 95580 will immediately reply to the downstream SMS notification. Acceptance is successful or not.

Bill installment: The starting amount for applying for bill installment is the consumption amount that has been billed in the previous period is greater than or equal to 800 yuan (inclusive), and the maximum does not exceed the balance of the bill that has been issued in the previous period; non-consumption has been included in the minimum repayment amount The amount cannot be applied for installment;

3. Number of installments to apply for:

Postal Savings Bank provides five installments of 3, 6, 12, 18 and 24 installments. The period is 1 month. Cardholders who apply for transaction installments and bill installments can freely choose the number of installments from the above five levels; cardholders who apply for merchant installments and electronic sales installments can freely choose the number of installments provided by the merchants.

How to activate Postal Bank Credit Card

Three ways: 1. Call the credit card customer service center to activate; 2. Log in to the official credit card website to activate; 3. Send a text message to activate.

How to activate Postal Bank Credit Card

You can call the bank's credit card center and follow the voice prompts to activate the credit card, or you can go to the bank counter to activate it. If you apply for a credit card online, you must go to the bank counter to activate it. .

How to apply for a Postal Bank credit card

As long as you have a job, it is easy to apply. Your employer will issue an income certificate, get a form and fill it out, and it will be audited according to your income

How to quickly increase the credit limit of Postal Bank Credit Card

Postal Bank has a method to quickly increase the credit limit. Buy things in the mall on his app.

How to eliminate a Postal Bank credit card that is overdue 7 times

If it cannot be eliminated, there is already a problem with the personal credit report, and the personal credit report will cover it after five years.

How to divide the postal bank credit card bill into installments? There are several questions.

It is not possible. If you exchange a part, and the remaining part is more than 800, you can apply for installment. The installment time is three to four days before your due payment date.

How to apply for installment payment with Postal Bank credit card

Dear, according to your description, after making a purchase with a credit card, you can call the customer service number on the back of the credit card or choose manual service for installment payment

Postal Bank credit card installment payment is 12,000 yuan in 24 months

Postal Bank credit card payment is 12,000 yuan in 24 installments, and the handling fee rate for each installment is 0.6%.

Monthly payment: handling fee 12,000 /p>

Credit cards are very common in our lives. Nowadays, many people almost have many cards. Since payment methods are becoming more and more convenient and fast, the promotion of credit cards has also made life more and more convenient and simple. Each financial institution will launch some of its own credit cards, and Postal Savings Bank credit cards are also particularly popular among consumers. Many friends will be curious about how to apply for installments with Postal Bank credit cards, and what should you pay attention to when applying for credit cards?

How to apply for installments with Postal Bank credit cards

1. Customer service hotline application: call 4008895580-1 No. key Chinese service - enter information - #main menu - no. key manual service - no. 5 key for installment payment, just submit an installment application to the customer service staff.

2. Mobile banking application: If the cardholder has signed up for Postal Savings Bank mobile banking, he can enter Postal Savings Bank mobile banking and click "Credit Card" - "Credit Card Installment" - "Instalment Application";

Things to note when applying for a credit card

1. Regardless of the number of installments, the handling fee is 0.6 per installment, and it is charged for each installment;

2. Installment After success, you can apply for cancellation before the current bill date, and you need to pay a handling fee of 20 yuan.

Postal Savings Bank credit card transaction installment conditions:

1. The applicant must be the primary cardholder, supplementary cards cannot be applied for;

2. Only Install a single unbilled transaction, and the single consumption amount is ≥500 yuan;

3. It must be processed after the consumption transaction is recorded and before 20:00 on the current bill date.

The above content is a brief introduction to how to apply for installments with a Postal Bank credit card and what you need to pay attention to when applying for a credit card. Nowadays, credit cards are widely used, there are many institutions that handle credit cards, and there are many types of credit cards. New card transaction installment is a single consumption installment method provided by banks to credit card holders. As long as the consumer's single consumption amount reaches the installment requirements, it can be used.

That’s it for the introduction of postal credit card installments.