Yes.

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

Shopping mall installment

Also known as POS installment, it means that cardholders go to shopping places, such as "malls" where installment can be purchased. When checking out, please show a credit card that supports installment payment in this shopping mall and indicate that you need to pay in installments.

The cashier will swipe the card on a dedicated POS machine according to the number of issues required by the cardholder (such as 3 issues, 6 issues, 12 issues, etc., a few shopping malls support 24 issues).

Note: Cardholder identity verification is required when making installment purchases in shopping malls, so remember to bring your ID card. Shopping mall installments are generally free of charge for three installments. The rates for 6 and 12 periods vary from bank to bank.

As long as the products that can be paid in installments are products that are normally sold in the shopping mall, they can generally be paid in installments. In many cases, cardholders can also bundle multiple items together for checkout and then make installment payments.

Mail order installment

It means that the cardholder receives the installment mail order catalog manual sent by the card-issuing bank (or the bank's online installment mall) and chooses from limited products. Then order through the online installment mall, call or fax the mail order installment application form, etc. to the bank for installment mail order.

There is generally no handling fee for mail order installments regardless of the number of installments. However, due to the long ordering cycle (in many cases it will take more than 15 working days to get the product) and the relatively cumbersome return and exchange process, it is recommended to compare before purchasing.

Bill installment

This is the most convenient installment method. Basically, all card-issuing banks can support this installment method, and the application is simple. Users only need to submit an installment application to the card-issuing bank by phone or other methods after swiping their card for consumption and before monthly bills are sent.

However, please note that each bank will stipulate some special cases. For example, speculative card swiping will not be successful in installments. So before proceeding with staging, be sure to read the staging manual carefully.

Extended information:

Application conditions

(1) Chinese residents who are over 18 years old, have full capacity for civil conduct, and have good credit standing, and are resident in China Foreigners and compatriots from Hong Kong, Macao and Taiwan can apply for a personal credit card master card from the card issuer with their valid identity documents.

The main cardholder of the personal card can also apply for supplementary cards for other natural persons with full capacity for civil conduct or natural persons with limited capacity for civil conduct. The main cardholder can apply to cancel the supplementary card at any time.

(2) Enterprises, administrative institutions, social groups, and other economic organizations authorized by legal persons with independent legal person status that open basic deposit accounts in financial institutions within China.

You can apply for an organization card from the card issuer with the basic deposit account opening license issued by the People's Bank of China and other supporting documents (if you need to apply for an international organization card, you must also have a foreign exchange settlement account).

The qualification of the company card holder shall be designated and revoked in writing by the legal representative of the company or his authorized person. The applicant unit shall bear all debts incurred by the unit card.

(3) When applying for a credit card for the first time, the applicant should fill in the credit card application form correctly, completely and truthfully according to the card issuer's regulations and submit relevant supporting documents required by the card issuer.

We also agree that the card issuer will understand and inquire about the applicant's credit status from any relevant departments, units and individuals, and retain and use relevant data.

(4) The card issuer shall decide whether to issue a card based on the applicant's credit status, whether to require the applicant to provide guarantee and the method of guarantee, determine the method and type of card collection, and the credit limit to be granted to the applicant, etc. . Unsuccessful application materials will not be returned.

(5) The ways in which the applicant provides guarantee include: guarantee, mortgage and pledge. A corresponding guarantee contract should be signed separately for guarantee.

The scope of guarantee covers all debts incurred by cardholders under their credit cards (including but not limited to principal and interest of overdrafts within the credit limit and overdrafts beyond the credit limit, over-limit fees, late fees and recourse fees).

(6) After receiving the credit card, the cardholder should immediately sign the same signature as on the credit card application form in the signature column on the back of the credit card, and use the same signature when using the credit card for transactions.

Otherwise, the cardholder will be responsible for any resulting losses. The card issuer also provides cardholders with inquiry passwords and transaction passwords (i.e. cash advance passwords and card consumption passwords) through designated channels.

Application method

In-store processing; staff from the credit card department of the local branch of China Merchants Bank will come to apply for the card; make an appointment online, and a dedicated person will come to collect the card.

Online appointment application qualifications: "Easy appointment, door-to-door card application" application conditions include the following three points but are not limited to these. Whether you meet the door-to-door application in the end

The conditions still apply to China Merchants Bank Credit Card Center Subject to review.

① Domestic residents (please provide ID number): aged 18 to 60 years old;

② Have a stable career and income, good credit and timely repayment of interest. Ability; (Students in school are not allowed to apply)

③The area you are located in is within the door-to-door collection service range of China Merchants Bank Credit Card Center. For details, please see the online information filling page.

Gifts for new households applying for and recommending cards:

1. During different activities, new households applying for different cards will be given different gifts or points.

2. Recommend a friend to apply for a card or apply for a supplementary card for a relative, and you may receive corresponding gifts.

Application information

1. Proof of identity: usually an ID card (if you are using a new version of the ID card, a copy of the front and back sides is required), military personnel need to provide a copy of the military ID card;

2. Work certificate: It can be the original work certificate issued by the employer (please indicate the specific company name, department, position and income, and stamp the company seal or personnel seal), or it can be promoted A copy of the work permit/plate that has been verified by the original and marked by the employee;

3. Proof of financial resources: it can be a salary record issued by a bank, or an income tax withholding voucher, or a proof of the market value of houses, cars, deposits and investments. Documents (such as real estate certificate/car driving license/copy of bank time deposit certificate) and other materials that can prove your financial level.

4. Other documents available for reference include: social insurance personal account list for the past 6 months, water and gas bills, credit card bills from other banks, etc.

If you are a self-employed person, you can provide your individual business license and tax bills for the past three months. You can also provide other proof of your financial resources: income tax withholding certificate; self-owned real estate certificate Copy; copy of your own car driving license; bank deposit certificate and other documents that can prove your financial level.

Baidu Encyclopedia - China Merchants Bank Credit Card

Baidu Encyclopedia - Credit Card Installment Payment