1. If the credit card is repaid in advance by online bank ATM transfer before the final repayment date, the credit card limit you hold will be restored in real time according to the repayment amount, and ICBC will not charge any handling fee.
2. If you need to terminate the installment payment business in advance, you can pay the installment payment in advance through telephone banking and counters. When prepayment is made, the unrecorded amount of installment payment will be credited to the credit card account at one time.
For the installment amount not recorded by ICBC, it can be repaid in full or in part in advance. If partial repayment is made in advance, the number of installments will be shortened, and the monthly recorded amount (including monthly installment deduction) will not be adjusted, and the deduction mantissa will be adjusted to the last installment. (For example, if the customer has five remaining installments, each installment will be repaid1000; Prepayment 1500, leaving 3500; After that, 1000 will be deducted for each period, and 500 will be deducted for the last period, for a total of 4 periods).
Features and advantages:
ICBC Peony Credit Card has the characteristics of low installment starting point, more installment times, simple procedures, convenient repayment, free extension, no prepayment fee and installment return fee. Then, the merchants in Hong Kong and Macao all opened the installment payment service of the Polytechnic Bank credit card. Travel shopping is easy to enjoy by stages with a brush. The process is simpler, the repayment is more convenient and the service is better! See the list of special merchants for specific merchants.
Remarks: At present, overseas non-ICBC merchants only offer two options for accepting easy credit card installment payment: 6, 12. If there is any change, the website of ICBC shall prevail.
China Industrial and Commercial Bank credit card installment payment rules:
Application time: from the day after your consumption transaction is recorded to three working days before the due repayment date of this consumption.
Application amount: Initial amount of installment business: RMB/HKD 600 yuan, USD/Euro 100.