Log in to ICBC e Life (v4. 1.2), click on the "Finance" page, select the credit card for installment business, enter the "installment payment" function, and select the installment type for installment in the page.

The difference between installment payment of ICBC and installment payment of bills

1. Different installment objects: ICBC installment payment directly installments a single transaction; Bill installment is to apply for installment repayment on the basis of the current bill of the credit card.

2. Different installment rates: installment payment and bill installment are two different products, with different installment times and installment rates.

3. Different repayment time: after installment payment, the bill is generally included in the latest bill; After applying for bill installment, repayment will start from the next bill.

ICBC credit card installment payment can be handled in the following three ways:

1. ICBC designates special merchants to spend by credit card, and can directly apply to the cashier for installment payment.

2. Between the day after your consumption transaction is recorded in the account and three working days before the due repayment date of this consumption, you can easily apply by directly dialing 95588 for manual transfer; You can also apply at ICBC outlets.

3. Customers registered in ICBC's online banking can self-help convert the consumer transactions recorded in the interest-free period into installment payment through "credit card service peony card repayment installment setting".

China Industrial and Commercial Bank installment interest

ICBC's installment interest calculation formula is interest = installment amount, installment period and handling fee rate. ICBC's handling fee rate is generally determined according to the number of installments. For example, the commission rate for installment 12 is about 7.2%. If the installment is 12000 yuan, not only will the principal be repaid in each installment, but the monthly handling fee will be 120007.2%/ 12=72 yuan.

What is the installment interest rate of ICBC credit card?

ICBC's installment fee standards are as follows:

1, and the interest rate of Phase 3 is1.95%;

2, 6 installment interest rate is 3.60%;

3, 9 installment interest rate is 5.40%;

4. The installment interest rate of12 is 7.20%;

5. The installment interest rate of18 is11.70%;

6. The installment interest rate of the 24th installment is 15.60%.

You can apply for installment payment if you use ICBC credit card to spend money in 600 yuan. Commission for the third installment 1.65%, 3.6% for the sixth installment, 5.4% for the ninth installment, 7.2% for the second installment 18 installment 1.7%, and 24 installment 15.

When handling business, a one-time installment fee is charged according to different standards. The characteristics are that the fewer stages, the lower the cost;

Cash in advance can't repay the loan at least, but it must be repaid in full. Of course you can't apply for installment payment.

How to installment ICBC credit cards?

China Industrial and Commercial Bank credit card installment payment method:

You can go to online banking (icbc.com.cn) for installment, go to the home page and click "Credit Card", then click "Installment Payment" in business processing, and then follow the prompts.

You can apply at the counter of ICBC's branch with your ID card and credit card, and consult the staff at the branch to help you with it.

ICBC's credit card is the credit card with the highest circulation in China. The main types of ICBC's credit cards are: Peony International Credit Card, Peony Credit Card and Peony Credit Card; ICBC credit cards are divided into: Peony Visa Card, Peony MasterCard and Peony American Express Card by brand; According to the credit rating, it is divided into: platinum card, gold card and ordinary card; According to the issuing object, it is divided into business cards and personal cards, in which personal cards are divided into main cards and auxiliary cards.

Mudan international credit card

Peony International Credit Card is an international credit card product launched by Industrial and Commercial Bank of China. International cards are commonly used at home and abroad, and are settled in RMB and a certain designation. Peony International Card adopts the circulating credit transaction mode, and overdraws consumption within the credit limit. If you repay in full before the due date, you can enjoy the interest-free repayment discount. This card is universal.

Peony credit card

Peony Credit Card is a credit card issued by Industrial and Commercial Bank of China, which gives the cardholder a certain credit limit, within which the cardholder can spend first and then repay. The credit card adopts the circulating credit transaction mode, and overdraws consumption within the credit limit. If you repay in full before the due date, you can enjoy the interest-free repayment discount.

Peony Credit Card can be used in China, Hongkong, China, Macau, China, and UnionPay acceptance points in Thailand, South Korea and Singapore. It is settled in RMB and has the functions of transfer settlement, cash deposit and withdrawal, credit consumption and so on.

Peony credit card

Peony Credit Card is a credit card issued by Industrial and Commercial Bank of China, which is limited to RMB credit cards used in People's Republic of China (PRC). Settlement in RMB, with credit consumption, transfer settlement, cash deposit and withdrawal and other functions. Peony credit cards are divided into business cards and personal cards according to different card issuers; According to different credit ratings, it is divided into gold cards and ordinary cards.

If it is a universal card, it can automatically increase the credit limit.

If the card meets the following criteria and has no bad credit record, ICBC can automatically upgrade the credit limit:

After the account has been opened for not less than 3 months and the consumption exceeds 500 yuan (inclusive), the credit line can be adjusted to 500 yuan;

Reach the level of credit line in 500 yuan, and the credit line can be adjusted to 1000 yuan at least 3 months after the cumulative consumption of 500 yuan (inclusive);

It has reached the credit line level of 65,438+0,000 yuan and accumulated consumption is above 500 yuan (inclusive). After at least 3 months, the credit line can be adjusted to 2,000 yuan.

If the local card issuer has special regulations, this service is not applicable.

You can also call the customer service hotline of ICBC, select 2 Manual Service -2 Credit Card Service, and propose credit limit adjustment. The adjusted credit line is not higher than 2000 yuan.

How to handle installment repayment with ICBC credit card?

If you have a peony credit card, the card and account are in normal condition. If you meet the requirements and need to apply for consumption installment, you can apply from the date when the consumption transaction is recorded to the due repayment date (inclusive).

You can log in to mobile banking and apply for credit card installment payment through the "credit card-installment payment" function.

In addition, you can also handle installment payment through online banking, ICBC e-Life app, SMS banking (SMS installment is only for customers who receive installment marketing messages), manually dialing 95588, holding a card and valid personal identification, and through designated business outlets and smart terminals of the outlets where you handle the card.

(Answer time: April 2, 20221. In case of business changes, please refer to the actual situation. )

How does ICBC credit card repay in installments?

ICBC credit card installment repayment method is as follows:

1. ICBC designates special merchants to spend by credit card, and can directly apply to the cashier for installment payment.

2. Between the consumer transaction and the due repayment date, you can easily apply by directly dialing 95588 to transfer to labor; Handling channels include ICBC outlets, 95588 telephone banking, online banking, mobile banking, self-service terminals, SMS, etc.

Telephone processing flow:

3. You can transfer the booked consumer transactions within the interest-free period to installment payment through "Bank Card Account-Credit Card-Installment Payment-Setup Installment Payment" or "Home Page-Loan-Installment Payment-Setup Installment Payment".

Extended data:

Precautions:

1. The total installment payment and handling fee cannot exceed the available amount of the credit card account. The amount deducted in each installment is regarded as the consumption of the current month and enjoys the interest-free repayment period.

2.

The application for installment payment through 95588 shall be made between the date of consumption transaction and the due repayment date. Handling channels include ICBC outlets, 95588 telephone banking, online banking, mobile banking, self-service terminals, SMS, etc.

3.

The date of installment payment is the first deduction date, and the deduction dates of subsequent installments are the same as the first deduction date. If the number of days in the subsequent repayment month is less than the first deduction date, the deduction date of that month is the last day of that month.

4.

Customers who have paid by installment can apply for extending the unpaid amount, but the same installment business can only be extended once, and the handling fee rate is the same as that of installment.

5.

Apply for prepayment, and the prepayment fee will be exempted.