If you have successfully paid in installments, you can pay back before the date specified by the bank every month. If the repayment has been made in advance, it is equivalent to the excessive repayment of the credit card. The bank will automatically judge whether the amount in the account is enough to repay the arrears. It doesn't matter if you repay in advance. After receiving the bill, there is no need to repay it.
Credit card bill installment application requirements:
1. Time to apply for installment bills
From the trading day to the repayment date, you can freely choose the installment transaction under RMB or USD account.
For unbilled transactions: you can apply for installment payment between the transaction date of 19:30 and the billing date of the bill corresponding to the transaction.
For bills that have been issued, you can apply for installment from the day after the billing date to the due repayment date (for customers with automatic repayment in the account, the deadline for application is due repayment date 17:00).
2. Conditions for applying for installment bills
The applicant must hold a personal card with a bank credit card, have a good record of using the card and have no delay in repayment in the current period. Customers who only hold business cards, business cards, purchasing cards, ANA protection cards or supplementary cards cannot apply for bill installment for the time being.
3. Bill installment application amount
For the installment payment of RMB bills, the minimum application amount shall not be less than 300 yuan RMB each time; For the installment payment of USD bills, the minimum application amount shall not be less than USD 65,438+000 each time. After the installment of RMB or USD bill is successful, the principal and handling fee of each installment will be credited to RMB account, that is, the installment amount of USD bill will be converted into RMB at the exchange rate specified at the time of application.