Hello, the supplementary card of China Merchants Bank must be of the same type as the main card, and it must share the credit limit with the main card. It does not have an independent account, cannot log in to online banking alone, and cannot independently issue bills or make repayments. Credited to the main card account. During all repayments, the main card account applies for bill installment business.

Bill installment (only cardholders holding commercial cards, business cards (including fiscal business cards), purchase cards, ANA guaranteed cards or supplementary cards cannot apply) is a new financial management feature launched by our bank’s credit cards , can help you repay the consumption amount in your bill in monthly installments. You can send a text message, log in to credit card online banking, or call the customer service hotline 4008205555 to transfer to the service specialist to apply. Handling fee per period = total installment amount × handling fee rate per period. The minimum handling fee per period is 5 yuan, 0.9% per period for 3 periods, 0.75% for 6 periods, 0.70% for 10 periods, and 0.75% for 12 periods. 0.66% per period, 0.68% for 18 periods, and 0.68% for 24 periods. Whether the application for bill installment is approved shall be subject to the comprehensive assessment result of our bank's credit card center. For bill installment application conditions, please log in to the credit card website/, click "Credit Finance" - "Bill Installment" to check the bill installment terms and conditions.

After the bill installment application is successful, the current bill only needs to repay the amount other than the bill installment, and the principal amount payable in the first installment (principal payable in each installment = total installment principal ÷ number of installments) And the handling fee will be reflected in the next month's bill. The bill installment transaction is fully offset against the bill amount, and 10% is offset against the minimum repayment balance. (Business cards do not have installment business)

Once the application for bill installment is approved, it cannot be cancelled, and the installment amount and number of installments cannot be changed. The unpaid installments in the bill installment business that have been successfully processed need to be paid in advance. For repayment, if you need to handle it, you can call our credit card customer service hotline to apply. After the application is approved, the undisbursed principal and handling fees must be settled in one go, and the bill amount must be paid off in one go. (Business cards do not have installment business)

The following transactions cannot apply for bill installment: cash advance transactions, installment transactions and various fees (such as annual fees, interest, late fees and other credit card charges), real estate transactions, Pre-authorized transactions and other transactions specified by our credit card center. (Business cards do not have installment services)

If you have any questions about other China Merchants Bank credit cards, please search "4008205555" in QQ corporate friends and add "China Merchants Bank Credit Card Center" as a friend; or search the number "cmb4008205555" in WeChat Follow "China Merchants Bank Credit Card Center" for consultation. Thank you for your attention and support to China Merchants Bank!