How to repay Bank of Communications credit card installments in advance

For cardholders who frequently use Bank of Communications credit cards, choosing Bank of Communications credit card installments can not only meet their large consumption needs, It can also relieve your repayment pressure. So how can you repay Bank of Communications credit card installments in advance?

1. Call the Bank of Communications credit card customer service hotline, enter the manual service, and apply for early repayment of credit card installments. After the bank confirms the early repayment, it will proceed with the early repayment operation according to the prompts.

2. Log in to the Bank of Communications mobile banking, enter the credit card interface, click "Instalment Loan - Settlement in Advance", and follow the prompts. Please follow the instructions on the page.

3. Follow the Bank of Communications Credit Card WeChat official account, select credit card repayment at the bottom left of the page or the menu input, then click to log in to your personal account, select "Credit Card Repayment - Installment Repayment", and follow the prompts .

The above is an introduction to how to repay Bank of Communications credit card installments in advance. I will tell you this, hoping it will be helpful to you.

What is the installment payment method with Bank of Communications credit card?

First of all, installment payment with Bank of Communications credit card:

1. Installment payment does not require holding a Bank of Communications credit card for more than 3 months!

2. Installment cannot be applied for: general real estate sales, hospital transactions, public utility expenses, government consumption, transfer transactions, and cash withdrawal transactions cannot be applied for installment.

3. Bank of Communications Y-POWER Credit Card (Youth Card), the starting installment amount is RMB 500 or USD 60. Quasi-credit cards and quasi-corporate cards do not participate in the "Spend as You Want" bill installment plan. The starting amount of installment for other Bank of Communications credit cards is RMB 1,500 or USD 100.

There are three ways to pay in installments with Bank of Communications credit cards:

1. You can divide the installments with Bank of Communications credit cards as you like: You log in with the SMS password from 2 days after the transaction date to 3 days after the payment is due. User or certificate user version online banking or call the 24-hour customer service hotline of the credit card center to freely divide the consumption into 3, 6, 9, 12, 18, and 24 monthly payments.

2. Bank of Communications Credit Card Installment Treasure: There is no need to have a credit card in advance. With only personal credit and relevant materials provided on site, you can complete the installment application on the spot. The goods can be moved home on the spot. Large installments can also be deferred. Extra long repayment period discount of four months.

3. Bank of Communications credit card mail order installment: No need to swipe the card on site, just make a phone call, send a fax or submit an instruction online to complete the installment payment transaction with a merchant thousands of miles away, with no interest or handling fees. Products are delivered directly to your home.

Bank of Communications credit card installment interest is as follows:

Transaction amount (yuan) monthly rate ()

1500 (inclusive)-6500 (inclusive)-12500 Including) the above first installment repayment amount = total installment amount ÷ number of installments (the remainder will be recorded in the first installment repayment amount) total installment amount × each installment handling rate

The remaining installment amount payable = installment Total amount ÷Number of installments Total amount of installments -8888, 400-889-3888 or 021-53529888, you can easily handle it.

Instalment repayment amount, interest and method of Bank of Communications Credit Card

Instalment repayment amount of Bank of Communications Credit Card

Any single purchase amount of Bank of Communications Pacific Dual Currency Credit Card is RMB 1,500 or USD 100 (the initial installment amount for Bank of Communications Y-POWER credit card is RMB 500 or USD 60), log in to the SMS password user or certificate user version between 2 days after the transaction date and 3 days after the repayment is due. You can use online banking or call the 24-hour customer service hotline of the credit card center to freely divide the consumption into 3, 6, 9, 12, 18, and 24 monthly payments, and are no longer restricted by designated stores and products.

(1) Depositing a certain amount of deposit on Pacific Dual Currency Credit Card or temporarily increasing the credit limit cannot increase the maximum amount of the installment payment transaction applied for.

(2) If you apply to end the installment payment early, you need to return all the remaining principal and handling fees in one go on the next repayment date; if you apply to end the installment payment early due to a return, then All remaining principal must be returned in one lump sum on the next repayment date. The handling fees already paid for each period will not be refunded, and a return purchase receipt must be provided as proof and approved by the Customer Service Center of Bank of Communications Credit Card Center.

Bank of Communications credit card installment interest

Monthly rate for transaction amount between 1,500 (inclusive) and 6,500.

Monthly rate for transaction amount between 6,500 (inclusive) and 12,500.

Monthly rate for transaction amount above 12,500 (inclusive).

How to handle installment repayment with Bank of Communications credit card?

1. Online banking processing method

Log in to the Bank of Communications credit card online banking and select the credit card financing page; enter "Bill Installment - Disbursed", click on the installment currency and enter the installment amount; The system will review your application immediately and automatically notify you of the application result.

2. Telephone processing method

Call the 400-800-9888 customer service hotline. After completing the identity verification, transfer to the bill installment line;

Next, the method There are two types, choose one. Self-service: Enter the installment amount and number of installments through voice prompts, the system will review it immediately, and the customer service specialist will inform you of the result; Manual: Inform the customer service specialist of the installment amount and number of installments, the system will review it immediately, and the customer service specialist will inform you of the result.

What is the process of installment payment with Bank of Communications?

1. Spend RMB 1,500 or USD 100 or more with a Bank of Communications credit card in a single transaction;

2. Call the Bank of Communications credit card phone number: 400-800-9888 between 2 days after the card transaction and 3 days before the due date of repayment to inform the customer service staff of the transaction information;

3. The customer service specialist will inform you after a simple review If the application is successful, the Bank of Communications credit card installment payment is an interest-free installment payment and no interest will be charged, but the installment payment fee will be charged.

Extended information

1. The installment amount occupies the credit limit

For example, if a bill of 2,000 is spread over 12 months, assuming it is 200 per month, then Your credit limit will be reduced by 1,800 in the first month because it is occupied. Each time you make a payment in the future, a portion of your credit limit will be restored.

2. There is a handling fee for installments

Installation requires a certain handling fee. The more installments there are, the lower the installment interest rate. The installment handling charges vary from bank to bank. Whether the bill contains a bill that has been issued or a bill that has not been issued, and when applying for bill installment, the installment fee will be calculated based on the installment interest rate. Banks encourage cardholders to make installment payments. If there is no financial pressure, it is best to repay the loan in full.

3. Some consumption cannot be paid in installments

For example, the part that uses the temporary quota, such as the part that should be repaid in the previous installment (the installment applied for last month, you have to repay 200 this month, This 200 cannot be divided any more).

How to repay the credit card after installment?

1. After the credit card installment, you can automatically repay through mobile banking, third-party payment platforms, ATM machines, bound bank cards, and repay over the counter.

2. Specifically:

Computer operating environment: Apple Computer A1466Window10 system

Mobile phone operating environment: Xiaomi 12MIUI12.5.13

1. Mobile banking. Now all major banks have their own mobile APP. After downloading, you can log in to your account to pay off your credit card;

2. Third-party payment platforms, such as Alipay and WeChat, are available on these software. There is a credit card repayment function, and you can repay after binding the bank card;

3. To pay at the ATM machine, just insert the credit card directly into the ATM machine and then deposit money;

4. Associate the bank card with the credit card, and the system will automatically deduct the money from your bound bank card on the repayment date;

5. You can also repay at the counter of a bank outlet, and you need to bring your identity. certificate, credit card.

3. Installment payment:

1. Installment payment (PaybyInstallments) is mostly used in some product transactions with long production cycles and high costs. Such as the export of complete sets of equipment, large-scale vehicles, heavy machinery and equipment and other products. The method of installment payment is that after the import and export contract is signed, the importer first pays a small part of the payment to the exporter as a deposit, and the rest of the payment is paid after part or all of the product is produced, shipped, or after the goods arrive for installation and test run. , investment and repayment in installments when the quality guarantee period expires.

2. Installment payment is actually a loan provided by the seller to the buyer. The seller is the creditor and the buyer is the debtor. The buyer can obtain the required goods or services after paying only a small part of the payment. However, because future installment payments include interest, the amount paid for the same goods or services by installment payment is higher than that of a one-time payment. The payment for goods is more. On the one hand, the installment payment method allows sellers to complete promotional activities, and on the other hand, it also provides convenience to buyers.

3. The characteristic of installment payment is that after the import and export contract is signed, the importer first pays a small part of the payment to the exporter as a deposit, and the rest of the payment is made during part or all of the production of the product. Payment will be made in installments after completion of shipment, or when the goods arrive for installation, commissioning, investment and the expiration of the quality guarantee period. The buyer and seller sign a contract when the transaction is concluded, and the buyer pays the seller in installments for the purchased goods and services within a certain period of time. The date and amount of each delivery of goods are stated in the contract in advance.

4. Most domestic banks have credit card installment services. Installments are generally divided into shopping mall (POS) installments, "mail order installments" and bill payments through the Internet, mail, etc. depending on the occasion. installment.

This is the introduction of how to repay transportation credit card installments.