No, Xingye Tong Credit Card has an automatic installment function. This function refers to the "consumption that has been accounted for and has not been billed during the statistical period provided by the Bank's Credit Card Center to eligible cardholders." The accumulated amount" is automatically converted into an installment payment service.

Cardholders need to pay a certain credit card installment service fee. Among them, the statistical period of "accumulated consumption amount" in the first month of activation is from the time of activation to the first billing day after activation, and the statistical period of "accumulated consumption amount" in other months is the billing cycle.

For example, the total amount of Mr. Li’s bill transactions in August is RMB 15,000, including RMB 3,000 in cash advance and RMB 12,000 in credit card purchases. Mr. Li’s “consumption” this month The "accumulated amount" is RMB 12,000, and automatic installments will be made based on RMB 12,000 on the bill date.

※For example, Mr. Li successfully applied for an Industrial Tong credit card with a limit of 20,000 yuan and chose the automatic installment starting amount of 10,000 yuan (that is, if the "accumulated consumption amount" in the account exceeds 10,000 yuan, the installment will be automatically ). The total consumption amount of the August bill is 15,000 yuan, and Mr. Li deposits 4,000 yuan before the bill date, then the "accumulated consumption amount" is 11,000 yuan, and the system will automatically instal it according to 11,000 yuan. .