The general ledger installment of China Merchants Bank is also a method of credit card bill installment, which mainly includes invoiced amount and unbilled amount. After the installment is successful, repayment is required. Here is an introduction to the installment repayment of China Merchants Bank's general ledger.
How to repay the credit card general ledger of China Merchants Bank in installments?
Before repayment, be sure to determine the amount to be repaid, especially after the installment is successful. Usually, after the successful installment of the general ledger, the installment amount that has been successfully processed is included in the amount owed by the next bill, and only the installment amount needs to be repaid before the end of the final repayment date.
For example, if the invoiced amount is 65,438+0,000 yuan, the unbilled amount is 65,438+0,000 yuan, and the general ledger installment amount is 2 700 yuan, the remaining unpaid amount in 300 yuan needs to be repaid before the end of the final repayment date.
There are many repayment methods, such as manual transfer repayment, automatic repayment by binding debit card, and even early repayment if there are sufficient funds in hand. However, if you prepay the total credit card bill in installments, you can't transfer money or deposit money directly into the credit card. You need to call the credit card service hotline to apply to the bank before the bill date.
It should be noted that the credit card general ledger of China Merchants Bank repays in advance in installments, and the remaining handling fee is not exempted. After receiving the cardholder's application for prepayment, the bank will calculate all the remaining principal and undistributed handling fee at one time, which will be included in the minimum repayment amount of the next bill. You can pay as much as you have, and installment and minimum repayment amount are not supported.
The above is the relevant introduction of "How to repay the credit card general ledger of China Merchants Bank in installments", hoping to help everyone. If you handle the general ledger installment, you'd better repay it on schedule. It is not cost-effective to repay in advance. You might as well invest your money where you can earn interest.
How to repay the credit card bill of China Merchants Bank after installment?
After handling the installment business of China Merchants Bank's credit card, many card friends don't know how to repay, and they don't know how much each installment will cost. Credit card bill installment refers to dividing the bill into several installments for repayment. The repayment amount of each installment is the total amount divided by the number of installments, plus some handling fees. Let's have a look.
China Merchants Bank Credit Card can provide cardholders with multiple stages, including 2, 3, 6, 10, 12, 18, 24 and 36. The corresponding fee rates for each period are,,,,, and. Cardholders can choose the number of installments they want to handle at will. When the bill installment application is successful, it will be staged.
In other words, after the bill installment is successful, the cardholder only needs to repay the remaining bill amount after deducting the bill installment amount when the bill expires. After that, the repayable principal of each installment of the bill = total installment principal ÷ number of installments. The principal payable in each installment (accurate to the minute) is credited to the cardholder's credit card account every month, and the balance is credited to the last installment.
Handling fee per installment = total installment amount × handling fee rate per installment, and the minimum handling fee per installment is 5 yuan.
To put it bluntly, how much is your bill now? If it is 5000 yuan, what is the installment amount of the application bill? 3,000 yuan, divided into three installments, which are required to be paid back on the due date? 2000 yuan How much is the principal payable in each installment of the bill after that? 1 0,000 yuan, and the handling fee for each period is 3,000× yuan, which will be paid off in three installments.
As for the specific repayment method, the installment repayment of China Merchants Bank bills is similar to the general repayment. As long as you know the amount to be repaid, you can repay it through online banking, mobile app or third-party payment platforms, such as Alipay and WeChat.
How to repay by installment with China Merchants Bank's credit card?
Hello, in terms of consumption mode, at present, our bank has cash installment before consumption, shopping installment during consumption and bill installment after consumption. You can refer to what kind of staging you said:
1. Cash installment is a business that China Merchants Bank provides you with cash withdrawal and installment repayment. You can directly transfer from the credit card to the smart card under your own name, use the smart card to spend, and then upload the consumption receipt regularly. For details, please refer to the description on the web page: first, we must make an evaluation to determine whether it can be done. Cash installment requires a certain handling fee, which is charged in installments. Handling fee per period = total amount per period × handling fee rate. The benchmark fee rates for each period are: 0.95% for the third period, 0.8% for the sixth period, 0.75% for 10, 0.75% for 12, 0.75% for 18 and 0.75% for the 24th period.
2. Shopping by installments: through our special merchants, we choose to buy the designated goods or services by installments. For the specific charging standard of installment payment and the merchants that can handle it, you can log on to our credit card website and click "Shopping by Installment" to inquire;
3. Bill installment (only cardholders of business cards, business cards (including financial business cards), shopping cards, ANA protection cards or supplementary cards cannot apply): If the merchant you shop is not a special merchant of our bank, you can apply for bill installment after consumption. Bill installment is a new financial management function launched by our credit card, which can help you repay the consumption amount in your bill in monthly installments. Whether the bill installment application is passed or not shall be subject to the comprehensive evaluation results of our credit card center. For details, please log on to the credit card website and click "financial installment"-"bill installment" to inquire.
Can China Merchants Credit Card be repaid in installments?
Repayment can be made in installments.
There are many ways to stage China Merchants Bank credit cards:
First, the staging of shopping malls means taking credit cards and ID cards to the merchants who have staging agreements with China Merchants Bank. After success, the first installment will be repaid with the handling fee corresponding to the number of installments, and then one installment will be repaid every month. For example, if you go to Suning Appliance Brush Mall to buy goods with a total price of 2,400 yuan in installments and brush them in six installments, and the handling fee is assumed to be 3% (subject to the announcement of the mall), then you need to pay 2,400 ÷ 62,400× 3% = 472 yuan in the first installment, and then return it to 400 yuan every month for five consecutive months.
Second, going directly to the Credit Card Mall of China Merchants Bank in official website for online installment purchase will not generate extra handling fees and freight beyond a single installment. For example, goods marked as 400×6 in the mall can be placed directly online and returned to 400 yuan every month for six consecutive months after confirmation. In the first month after the order is placed successfully, China Merchants Bank will deliver the goods directly to you.
3. If the above method can't be done, go to the merchants who only support credit card consumption but don't support installment, and then apply for installment after one-time credit card transaction. That is the "bill installment" function of China Merchants Bank's credit card, that is, apply for the part with the maximum bill of 90% and no more than 80% of the fixed amount in one month in three, six or 12 installments, and bear the corresponding handling fees of 2.6% and 4%.
For example, if the total bill this month is 4040 yuan and the application for installment payment is divided into 12 installments, then the first month must pay 4040×10% 4040× 90%124040× 90 %× 7.2% = 968.79 yuan.
China Merchants Bank credit card installment repayment interest needs to determine the specific interest rate according to the number of installments. Under normal circumstances, you can choose to divide the bill into three installments, six installments and 12 installments, with no interest, and the handling fee rates are 0.26%, 0.42% and 0.72% respectively.
Calculation method of installment fee for credit card bill of China Merchants Bank;
1. If you don't swipe your card at the designated merchant or go to the credit card mall for consumption, this kind of consumption is bill installment. The application is divided into three periods, six periods or 12 periods, and the corresponding handling fee is 2.6%, 4.2% or 7.2%.
2. After the first payment, you can make a single payment for several months. In this behavior, the cardholder provides personalized choices such as two periods, three periods, six periods, 10, 12, 18 and 24 periods, and the corresponding handling fees for each period are 1.0%, 0.9%, 0.75% and 0.7% respectively.
3. Unpaid transactions are applied for installment. Currently, only 2, 3, 6, 10 and 12 are provided.
4. Handling fee per installment = total installment amount × handling fee rate per installment. The total installment principal is amortized monthly, and the balance is included in the last installment. At the same time, the installment amount and the handling fee of each period are recorded.
How to handle the general ledger installment of China Merchants Bank credit card? Need to be repaid in installments.
The credit card general ledger installment of China Merchants Bank is a service to summarize the invoiced and unbilled amounts in installments, which can save cardholders the trouble of handling two installments separately. However, many card friends don't know much about the staging method of China Merchants Bank's general ledger and the repayment amount after handling. Here is a brief introduction.
1. How to handle the general ledger installment of China Merchants Credit Card?
In fact, it is similar to the processing method of bill installment and unbilled installment, except that the installment time is usually processed through the following two channels after the bill installment and unbilled consumption are recorded and the final repayment date:
1. Telephone application: After the bill consumption is recorded, you can call the 24-hour service hotline of China Merchants Bank, transfer the manual service and apply to customer service. After verifying the identity of the cardholder, the customer service will inform the general ledger of the installment amount and the number of installments, and the cardholder will handle it after confirmation.
2. WeChat handling: WeChat pays attention to "China Merchants Bank Credit Card". Enter "GL installment" in the dialog box to push several installment processing links, click "GL installment" to jump to the installment interface, enter the ID number, query the password, log in, select the amount and number of GL installments to be processed, and click OK to process.
2. How to pay the general ledger after the installment payment of China Merchants Credit Card?
After the general ledger installment of China Merchants Credit Card is successful, the payable amount in this period will be updated in real time. The installment amount and handling fee have been included in the minimum repayment amount of the next bill, and the repayment will not be needed until next month. Only the remaining payable amount of the current bill needs to be repaid in this period.
To put it simply, the updated page shows how much money should be paid in this period, as long as the cardholder pays it back, and it is best not to pay more, otherwise the extra money will not be deducted from the next debt, and it will be uneconomical to take it out.
How to repay the credit card of China Merchants Bank in installments?
If you want to apply for installment payment of the amount you have spent, please apply for installment payment of the bill. It is recommended to apply through the Pocket Life client (the application is not 100% successful, please refer to the audit results).
1. Download, install and log in to China Merchants Bank Pocket Life Client. Slide down the "Selection" page and click "Financial Staging";
2. Enter the "Financial Staging" interface and select "Bill Staging";
3. Enter the installment interface, pull the slider or directly enter the installment amount, check the installment number, and click "Preview Order" to preview the installment order;
4. Confirm the installment amount and number, and click "Submit" to complete the installment.
So much for the introduction of how China Merchants Bank's credit card repays in installments.