How to Install a Credit Card

1. After the credit card is installed, you can automatically repay through mobile banking, third-party payment platforms, ATM machines, bound bank cards, and repay over the counter.

2. Specifically:

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Mobile phone operating environment: Xiaomi 12MIUI12.5.13

1. Mobile banking. Now all major banks have their own mobile apps. After downloading, you can log in to your account to pay off your credit card;

2. Third-party payment platforms, such as Alipay and WeChat, are available on these software. There is a credit card repayment function, and you can repay after binding the bank card;

3. To pay at the ATM machine, just insert the credit card directly into the ATM machine and then deposit money;

4. Associate your bank card with your credit card, and the system will automatically deduct the money from your bound bank card on the repayment date;

5. You can also repay at the counter of a bank outlet, and you need to bring your identity. certificate, credit card.

3. Installment payment:

1. Installment payment (PaybyInstallments) is mostly used in some product transactions with long production cycles and high costs. Such as the export of complete sets of equipment, large-scale vehicles, heavy machinery and equipment and other products. The method of installment payment is that after the import and export contract is signed, the importer first pays a small part of the payment to the exporter as a deposit, and the rest of the payment is paid after part or all of the product is produced, shipped, or after the goods arrive for installation and test run. , investment and repayment in installments when the quality guarantee period expires.

2. Installment payment is actually a loan provided by the seller to the buyer. The seller is the creditor and the buyer is the debtor. The buyer can obtain the required goods or services after paying only a small part of the payment. However, because future installment payments include interest, the amount paid for the same goods or services by installment payment is higher than that of a one-time payment. The payment for goods is more. On the one hand, the installment payment method allows sellers to complete promotional activities, and on the other hand, it also provides convenience to buyers.

3. The characteristic of installment payment is that after the import and export contract is signed, the importer first pays a small part of the payment to the exporter as a deposit, and most of the remaining payment is made during partial or full production of the product. Payment will be made in installments after completion of shipment, or when the goods arrive for installation, commissioning, investment and the expiration of the quality guarantee period. The buyer and seller sign a contract when the transaction is concluded, and the buyer pays the seller in installments for the purchased goods and services within a certain period of time. The date and amount of each delivery of goods are stated in the contract in advance.

4. Most domestic banks have credit card installment services. Installments are generally divided into shopping mall (POS) installments, "mail order installments" and bill payments through the Internet, mail, etc. depending on the occasion. installment.

How to Install Credit Cards

How to Install Credit Cards

How to Install Credit Cards? Nowadays, almost everyone has several bank cards, and many people have started to use their cards to maintain their credit cards. However, only by knowing the card swiping methods supported by the bank can you increase the limit of your credit card. There are also many skills in maintaining a card. Let's learn more about how to repay your credit card in installments.

How to pay in installments with a credit card 1

1. Credit card installment payment

Credit card installment payment means that when the cardholder uses the credit card to make large purchases, the bank pays the merchant The process of paying the cardholder one-time consumption funds for the goods (or services) purchased, and then allowing the cardholder to repay the bank in installments and pay handling fees. The bank will deduct consumption funds and handling fees from the cardholder's credit card account in installments based on the cardholder's application, and the cardholder will repay according to the monthly credit amount.

2. How to repay credit card in installments

1. Bill installment application time

From the transaction date to the repayment date, you can freely choose to pay in RMB or transactions under a USD account for installments.

For transactions that have not been billed: You can apply for installment between the day the transaction occurs and 19:30 on the billing date corresponding to the transaction.

For bills that have been issued: You can apply for installments between the day after the bill date and the due payment date (for customers whose accounts have set up automatic repayment, the application deadline is 17:00 on the due payment date: 00).

2. Conditions for bill installment application

Applicants must hold a China Merchants Bank personal credit card master card, have good card usage records, and have no delays in current repayment. Customers who only hold commercial cards, business cards, purchasing cards, ANA guaranteed cards or supplementary cards cannot apply for bill installments at the moment.

3. Amount of bill installment application

When applying for RMB bill installment, the minimum application amount per time is not less than RMB 300; when applying for USD bill installment, the minimum application amount per time is not less than RMB 300. $100. After successfully applying for RMB or U.S. dollar bill installments, the principal of each installment and each installment handling fee will be credited to the RMB account, that is, the U.S. dollar bill installment amount will be converted into RMB according to the exchange rate specified at the time of application.

How to apply for installment with credit card 2

The method for applying for installment with credit card is as follows:

To apply for installment with credit card, you can directly call the credit card customer service hotline, and the customer service staff will help the user handle it; Users can also apply for credit card installments on their own bank’s mobile banking. Banks provide users with different installment numbers, and users can decide the number of installments based on their income. Generally, the greater the number of installments, the more handling fees the user pays.

When applying for credit card installment repayment, not all arrears can be repaid. For example, the interest generated, the cash withdrawal limit, the installment limit of the previous period, etc. cannot be repaid in installments, and the user needs to pay it back in one go. clear. The installment debt is the user's normal card consumption amount in the previous consumption cycle.

After applying for installment repayment, overdue payment cannot occur; if overdue payment occurs, it will have an impact on the personal credit report. If users still have difficulty repaying in installments, they can consider using the minimum repayment amount, which is lower than the installment amount. However, all consumption using this repayment method will not enjoy the interest-free period.

After using credit card bill installment, many relatives and friends around me said that credit card bill installment is indeed not as good as Weilidai. Weilidai is a microfinance product under WeBank, the first domestic Internet bank, and it is safe and guaranteed. The operation is also very convenient, and there is no need to provide any paper information

There is no mortgage or guarantee. Invited users can enter the Weilidai entry point in WeChat payment or mobile QQ wallet and follow the prompts to borrow. It adopts the method of equal principal and interest calculation, and the daily interest rate is between 0.02 and 0.05. No interest will be calculated on the principal that has been repaid. It supports borrowing and repaying at any time, and users can choose 5/10/20 monthly installments to repay the principal. There is no penalty for early repayment, which can meet customers’ short-term payment needs.

How to pay in installments with a credit card 3

Credit card installments can be repaid in the following ways:

1. You can go directly to the business hall with your credit card and explain the requirements directly to the staff To apply for installment, just fill in the form and apply with the assistance of the staff;

2. You can call the bank’s customer service number and follow the voice prompts or directly transfer to manual instructions to apply for installment, just follow the staff’s instructions;

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3. You can use the bank APP. After logging in, select "Credit Card", click "Instalment Repayment", and follow the page prompts to apply for installments;

4. Check in to the bank's credit card official website and log in Then click "Credit Card", "Instalment" and "Bill Installment" and follow the website operations to select installment;

5. Follow the bank's credit card WeChat official account and apply for bill installment.

Credit Card Installment The main benefits:

1. Enjoy it first, pay later;

2. No guarantor, simple procedure;

3. Fixed time and fixed amount, easy payment;

4. You can choose any monthly repayment amount;

5. More options for payment methods

1. What is bill installment? /p>

Bill installment refers to the process in which the credit card holder requires the credit card center to return the consumption amount in the current bill to the bank in installments after swiping the card, and the bank charges a certain installment fee.

2. What is cash installment payment?

Cash installment is an installment method. The cardholder applies or the card issuer invites the cardholder to apply, and the cardholder's credit card limit is converted into cash (or the credit card limit is not credited, and then transferred The cardholder specifies the account of the debit card (our bank or another bank), and then the cardholder returns it according to the designated installment number

3. What is consumption installment?

Credit card installment means that after the cardholder swipes the card, if the single consumption amount reaches the minimum consumption amount specified by the bank, the cardholder can apply to the bank to split the consumption into multiple repayments, and the bank will split the consumption into multiple payments. Credit it to your credit card account.

In this way, consumption installments are very similar to bill installments. I was almost fooled, but if you look closely, you will find that consumption installments refer to single installments. The amount is the lowest, while the bill installment emphasizes the bill installment.

So in simple terms, you can also understand it this way:

Instalment bill is. After you owe money with a card, you pay it back to the bank in several installments; cash installment means converting the amount on your credit card into cash; installment consumption means that you can divide the money you want to buy a product you like on the bank's official website. Multiple payments.

I finally understand that the choice of these installments depends on your needs. Because the handling fees of these installments are similar, consumption installments are suitable for foreseeable single or multiple payments. For purchases with a certain amount, bill installment is applicable when the current bill total is high.

How to apply for credit card installment payment?

Take Postal Savings Credit Card as an example. The application method is as follows:

1. Download and log in to the Postal Savings Credit Card APP, and you can see "Bill Installment" and "Transaction Installment" in "Card Manager"

2. Select the installment type according to your own situation. Here is an example of "Transaction Installment". Installment", click "Transaction Installment Application".

3. Enter the "Transaction Installment Application" page, and you can see the recent card transactions that can be applied for installment. There are 4 transactions shown in the picture.

4 , as shown in the figure, select one of the transactions for installment and click.

5. Enter the specific settings page of "Transaction Installment". You can see the number of installments and the handling fee for each installment, as well as The total handling fee.

6. Select the specific number of periods according to your own situation. Select 3 periods in the figure to display the amount to be repaid in each period and other information. After selecting, confirm the record. You will receive a transaction installment confirmation text message from the bank.

How to use a credit card for an installment loan?

If you want to pay in installments with a credit card, you can choose to pay in installments or pay in full. Finally, when the user chooses to pay in installments, the payment page will set the number of installments. The user only needs to swipe the card and the user can choose the bill installment. You can repay in installments.

In fact, installment payment and installment repayment are essentially credit card installments, and the effect is that users can repay in installments. Users can choose any installment method. .

Credit cards can be repaid in up to 36 installments, and most banks can be repaid in up to 24 installments. After the credit card is installed, you need to pay the installment fee. Although the monthly repayment pressure is reduced, the total repayment amount increases. And frequent installment business is also a sign of the user's poor economic status. In fact, this is not conducive to repayment.

Some users believe that by handling installment business, banks can receive more handling fees and are more willing to increase credit card limits. This understanding is wrong. When a bank raises a user's credit card limit, it mostly refers to the user's credit report, repayment ability, credit card usage, etc.

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Du Xiaoman

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How to repay a credit card in installments

How to repay a credit card in installments:

1. Bill installment application time

From the transaction date to Until the repayment date, you can freely choose to make installments for transactions under RMB or USD accounts.

For transactions that have not been billed: You can apply for installment between the day the transaction occurs and 19:30 on the billing date corresponding to the transaction.

For bills that have been issued: You can apply for installments between the day after the bill date and the due payment date (for customers whose accounts have set up automatic repayment, the application deadline is 17:00 on the due payment date: 00).

2. Conditions for bill installment application

Applicants must hold a China Merchants Bank personal credit card master card, have good card usage records, and have no delays in current repayment. Customers who only hold commercial cards, business cards, purchasing cards, ANA guaranteed cards or supplementary cards cannot apply for bill installments at the moment.

3. Bill installment application amount

To apply for RMB bill installment, the minimum application amount each time is not less than RMB 300; to apply for USD bill installment, the minimum application amount each time is not less than RMB 300. $100. After successfully applying for RMB or U.S. dollar bill installments, the principal of each installment and each installment handling fee will be credited to the RMB account, that is, the U.S. dollar bill installment amount will be converted into RMB according to the exchange rate specified at the time of application.

Extended information:

Credit card installment payment means that when the cardholder uses a credit card to make large purchases, the bank pays the merchant a one-time payment for the goods (or services) purchased by the cardholder. consumption funds, and then allow the cardholder to repay the bank in installments and pay handling fees. The bank will deduct consumption funds and handling fees from the cardholder's credit card account in installments based on the cardholder's application, and the cardholder will repay according to the monthly credit amount.

Cancellation of credit card installment:

After the credit card installment has not been executed by the system or within the cancellation time specified by the bank, you can directly call the customer service number or cancel the installment through online banking.

If the credit card installment has already started, the cardholder cannot cancel it. However, you can choose to repay in advance. It is worth noting that cardholders must have enough funds to repay in full before they can apply to the bank to settle the installment in advance. In addition, early repayment installment handling fees still need to be paid, but no additional early repayment handling fees will be charged.

It is worth mentioning that if your credit card repayment date is on the 13th and you do not have the money to repay it in full, and your salary day is on the 15th, then compared to installment repayment, the minimum payment is The payment method is the most cost-effective.

The difference between credit card transaction installment and bill installment:

1. The time is different:

Transaction installment is generally after the consumption occurs, the transaction is recorded, but the bill is not returned It is handled before the bill comes out; while the bill installment is usually done after the incoming transactions are summarized and settled. After the bill comes out, it is handled before the repayment date arrives.

2. Different amounts:

If a credit card is used for transaction installments, the entire amount of the entire transaction can usually be installmentd, but if it is used for bill installments, it is often only You can make installments for around 90 to 95 of the bill amount.

In addition, the respective handling rates may also be different (of course, whether it is transaction installment or billing installment, if the number of installments selected is different, the respective handling rates themselves will also be different. The difference is subject to the page display). There may also be differences in the choice of the number of installments. For example, some credit cards can choose to divide the bill into 36 installments, while the transaction installment can only choose to divide into 24 installments at most, and there is no option of 36 installments.

How to repay credit card in installments

Credit card bill installment refers to the installment of unbilled transactions and billed transactions. The application qualifications, installment amount, number of installments and rates are subject to the comprehensive evaluation of the credit card center. [You can click here for the web link].

If it is a China Merchants Bank credit card, you can choose the following channels to apply for bill installment:

Handheld Life: After logging in to Handheld Life, click Finance → Installment → Bill Installment, fill in the amount and number of installments, Then click "Preview Order" to submit the application.

Online banking: Log in to the public version or professional version, click "Instalment Management" - "Bill Installment - Deposited" / "Bill Installment - Not Deposited" - "Instalment Application" on the credit card interface.

Mobile banking: After logging in to mobile banking, click My → All → Credit Card → Installment to enter the operation page. Enter the application page to see the optional number of installments and installment rates.

Credit card telephone channel: Dial the credit card customer service hotline and press the button to directly state the business you need to apply for.