Looking at the title, you guessed it right. The 300,000 loan refers to CCB’s “installment payment”. With the latest upgrade of CCB’s system, you can now apply online without having to go to the counter. Incredibly convenient! Maybe some people don’t know what CCB’s “installment payment” is? Simply make friends with others.
First of all, what is "phased access"?
In fact, it is a consumer installment loan business with reasonable interest rates, which is more suitable for people who need funds.
What are the installment payment rates and service periods?
How to check the installment amount?
Log in to mobile banking, enter the credit card-credit card management channel, slide the page to the left, and select the pre-approval limit menu. You can see that you have received four pre-approved spots, and installment passes are also available.
The application process for the previous period is as follows
It is still very troublesome to go to the counter to sign the contract. In the past, I often received calls from CCB customer service saying that I had a credit limit. If I agree to the application, I must arrange for branch staff. Maybe because each branch also has tasks, the process is particularly troublesome. If I were lazy, if my financial needs weren't so strong, I might give up.
However, recently this process has been simplified a lot. All you need is a mobile phone to apply. Before winning, let me briefly talk about the process:
2. In credit card management, you can find the installment button option.
3. After clicking to enter, you can generally see your pre-approval quota, and then click to apply to enter the data supplement stage.
4. Follow the steps and operation instructions to add relevant information, and finally submit the application for review.
5. There will usually be a follow-up call;
Yes, my brother has succeeded.
6. After the application is successful, a special card that has been used in installments will be sent to you, and you will receive a loan text message. This special card can then be used to swipe at designated merchant types.
Because it is a special card, it can only be consumed at the consumption type merchants and within the consumption period specified by CCB.
In fact, as long as it is consumed at a designated consumption type merchant at a designated time (you can also use it organically).
Everything else is simple. Isn’t it great!
There are a few points to note when applying:
1. There will be a follow-up call after the application is submitted, and the credit report must be checked. If your credit check fails, don’t waste time.
2. The maximum credit limit in installments is 300,000, and the maximum period is 60 months, that is, 5 years. The interest is reasonable.
3. CCB cares about credit reporting and long-term credit extension. In the past, applying for more than 5 credit cards at the counter was easily rejected. Don't know what the current situation is. After listening to students’ feedback, some conditions will be relaxed this time.
4. After applying for the quota, it must be used up within 60 days, otherwise the remaining quota may be withdrawn.
That’s all in a nutshell! Is it burning? Although it is not a new business, CCB has moved this business online, using new ideas to solve old problems. It has made great progress, the user experience is very good, and it is a bit invincible! Hope this helps!
More | More exciting articles
Sharing Day is back! Which credit cards should be configured?
Which credit card should I choose for delay insurance? Recommend some cards that can be used without thinking!
Entry-level mileage card, CITIC Easy Card Platinum Card, 10,000 per year strategy!
The pitfall of temporary credit card limits is because your credit is not good enough!
"Sheeping Wool" will also be sentenced, and you and I will be sentenced to the road of shedding wool!
I paid 10,000 yuan for delay insurance with a credit card. See what cards you are missing.
A good card for redeeming airline miles, comparable to the Platinum Card of the Year!
From credit cards to suitcases in 2019, we recommend these five popular cards!
Use your credit card to redeem air tickets for free. These no-annual-fee credit cards are as good as platinum!
If you make 2 purchases before the credit card is activated, you may be the next one to be scammed!
What are you going to do today? credit card.
Just read this article!
Read further related questions and answers: China CITIC Bank Credit Card ~ What does it mean to realize your dream of gold in high installments? Is it the money swiped on the credit card and high-deposit installments? Ask for help
Hello
CITIC Bank Credit Card does not have the activities you mentioned. At least I have never heard of high-payment installments to realize your dream of gold. The minimum repayment amount of CITIC Bank Credit Card will not be Generally, credit card holders can repay in three ways: full repayment, installment repayment and minimum repayment amount.
If the cardholder chooses to repay according to the minimum repayment amount, then as long as the repayment amount is not less than the minimum repayment amount (usually 10% of the current bill), it will be considered as repayment on time and will not affect The cardholder's personal credit record, but unpaid bills will accrue interest.
You don’t need to contact the bank to pay the minimum repayment amount. As long as the bank deduction amount is greater than or equal to the minimum repayment amount, you will not be considered overdue, but the interest will be calculated as mentioned above.
You can also repay the minimum repayment amount with the cash withdrawal, but the cost of cash withdrawal with a credit card is higher. In addition to the cash withdrawal fee, interest of 0.05% will be charged every day starting from the day after you withdraw the cash.
Although the minimum repayment method will not affect your credit score, it will occupy your credit limit and have a certain impact on your application for a credit limit increase.