The consumption corresponding to overpayment and the consumption corresponding to temporary limit cannot be billed in installments. The minimum amount for applying for bill installment is 300 yuan, and the maximum amount shall not exceed 90% of the total RMB consumption of the latest bill.

The bill installment business refers to the consumer transaction in which the cardholder applies to CCB to repay a certain amount of his credit card bill by installment, and after the approval of CCB, the cardholder repays it monthly within the agreed time limit and pays a certain handling fee.

Extended data

Matters needing attention in applying for temporary credit card limit

1. Term of temporary line

The temporary credit card limit is time-limited, unlike the fixed limit, which will not return to the original limit after the application is successful. The term of temporary credit limit stipulated by different banks is different. For example, the longest term of CCB is three months, which means that once the application is successful, you can continue to use the temporary credit card line for three months, but it is still difficult for CCB to apply for the temporary credit card line. The temporary quota period stipulated by China Merchants Bank, Shanghai Pudong Development Bank and Industrial Bank is only one month.

2. Minimum repayment amount

The credit card temporary repayment limit does not apply to the minimum repayment amount. This means that the minimum repayment amount is no longer 10% of the consumption amount, but 10% of the fixed amount plus the part where the consumption amount exceeds the fixed amount. In other words, that part of the consumption of the temporary quota must be fully repaid, otherwise a high overrun fee will be paid.

Step 3 repay by installments

Temporary credit card limit cannot be used for installment business. This means that the part that the consumption amount exceeds a fixed amount must be repaid in full and on time, and cannot be repaid in installments. This is also the price that cardholders need to pay for applying for a temporary quota.

China Construction Bank-Customer Notice of Billing Stages