Many banks have their own installment credit cards. For example, ICBC has a happiness installment card, which can ease the repayment pressure of cardholders by handling e-installment business. But many people say that the happiness installment card is a pit. So, why is happiness stuck in stages? I'll give you a brief introduction today, hoping to help you.

Why is happiness stuck in stages?

Here from the line, interest rate, credit, use several aspects to analyze.

1. quota: Many people think that since it is a special installment card, there should be a special quota, but the happiness installment card is not. ICBC's e-installment business is applied within the credit card limit, that is, the credit card limit is transferred to the happiness installment card, resulting in a decrease in the available limit.

2. Interest rate: you need to select the number of installments for ICBC (E), and each installment corresponds to different interest rates, such as 12 is 3%, 24 is 6%, 36 is 9%, 42 is 12%, and 60 is 15%. The handling fee is not expensive, but it is not cost-effective to prepay, and it needs to be 3% of the prepayment amount.

3. Credit investigation: The happiness installment card will not be reflected in the newspaper in the form of consumer loans alone, but will be collected in the form of credit cards after successful handling. The monthly repayment amount and the total amount owed can still be found out and recorded in the inquiry record. Outstanding debts are also personal debts, which is not conducive to the approval of loans and credit cards.

4. Use: After e-installment, the credit line will be transferred from the credit card to the happiness installment card. Only the white list merchants designated by ICBC can use credit cards to spend money, and the money in the cards cannot be withdrawn by cash withdrawal. Compared with credit cards, they are limited everywhere and can't do whatever they want.

The above is the introduction of Why Happiness is a Staged Card. In short, I think the happiness installment card is a pit, as long as I don't know this card, but I can tell you for sure that each card has its own meaning, and you can do it according to your own needs.

I want to know about ICBC's happiness installment credit card. Have any friends used it? Please share the test. Thank you! ?

The physical card of happiness installment credit card has been stopped at present. You can apply for a happiness installment digital credit card.

Happiness installment digital credit card is a virtual card of UnionPay brand, with no physical card, and the currency is RMB. The validity period of the card is 10 year, and the annual fee is: 50 yuan/card/year. The annual fee can be reduced if you spend 5 or 5000 yuan in that year. With this card, online and offline merchants can spend all the money in 600 yuan in installments, and this consumption will be automatically converted into 24 installments (customized installments).

Happiness installment digital credit card can enjoy the following preferential rates:

1.2021February1February1February 31February happiness installment credit card (including happiness installment digital credit card) e installment head office's lower limit: 6 installments1. 12 phase 3.2%; 18 4.8%; 6.4% in 24 periods; 30 periods of 8%; 36 periods 9.6%; 48 issues12.8%; 60 issues 16% (the price is subject to the announcement of local ICBC).

2. From now until 202 1, 65438+February, 3 1, use the happiness installment digital credit card for customized installment, and the preferential price is as follows: 1.05% for the third installment; Phase VI: 2.10%; Phase 9 3.15%; 12 phase 4.20%; 18 6.38%; 24 issues, 8.40%; 36 issues12.60%; 48 issues17.10%; 60 issues, 2 1.30%.

(Answer time: 202165438+February 20th. In case of business change, please refer to the actual situation. )

Introduction of ICBC happiness installment credit card

Happiness customized installment credit card is a UnionPay brand entity-free digital credit card, with RMB as the currency and general card level. With this card, you can enjoy the following benefits:

1. 50 yuan per card every year, and the annual fee will be reduced when the consumption reaches 55,000 yuan in that year;

2. Enjoy a 3-day repayment grace period;

3. Free account security lock;

4. Online and offline merchants can spend all the money in 600 yuan by stages, and then it will be automatically converted into 24 customization stages. As of June 65438+February 3, 20221,you can enjoy the preferential rate in the customization stage.

(Answer time: April 2022 15. In case of business changes, please refer to the actual situation. )

The happiness installment card is a waste card. Why? It will be clear after reading it.

ICBC has many credit cards, some of which are very popular and some are not very popular. For example, many people have opinions on ICBC's happiness installment card, which is considered as a waste card. Then, why is the happiness installment card a waste card? Let's briefly introduce it today.

The happiness installment card is a waste card. Why?

ICBC Happiness Staging Card is the bearing card of ICBC e-staging business. In fact, it is an e-installment credit card, which has two types: physical card and virtual card. After successfully handling the e-installment business, the bank will transfer the application amount to the happiness installment card for consumption payment, and then repay it to the credit card account.

Everyone knows that ordinary credit cards can not only overdraw consumption, but also withdraw cash for emergencies. But ICBC's happiness installment card is different. The e-installment amount in the card can only be consumed by the designated merchants, and it cannot be withdrawn, and it must be repaid in each installment even if the card is not swiped. This is also the main reason why many people think that the happiness installment card is invalid.

I don't agree with this statement. After all, the rights and interests of each credit card are different, and the needs of the corresponding cardholders are different. For cardholders who don't need to apply for ICBC credit card installment, happiness installment card can't play a role, but it will come in handy if there is installment demand.

Therefore, it is still an old saying that card friends should choose the right credit card according to their own needs, and do not blindly handle credit card business. Before handling, it is best to call ICBC and ask customer service to inquire about relevant matters and protect their rights and interests to the maximum extent.

The above is the relevant introduction of "Why the happiness installment card is a waste card". I hope it will help everyone.

So much for the introduction of happiness installment credit cards.