Look at it for yourself. It is written clearly.

1) China Merchants Bank

China Merchants Bank currently provides "shopping mall installment", "mail order interest-free installment" and "interest-free bill installment" businesses.

The starting amounts of the installment payment business are: the one-time purchase amount is between 1,500 yuan and 30,000 yuan;

The number of installments: 3 months, 6 Month, 12 months, 18 months, 24 months;

Bill Installment Business: "Bill Installment DIY" allows you to apply for installment payment in a centralized manner after receiving the bill, without any mall restrictions. , product restrictions, allowing you to easily enjoy the convenience of installment!

How to handle: Dial the China Merchants Bank customer service hotline at 800-820-5555 and press 9 to transfer to manual service.

Application time: between the day after the current bill date and two working days before the final repayment date.

Charge Standard

Number of Issues: 3, 6, and 12

Handling Fee 2.6 4.2 7.2

2) China Guangfa Bank

Guangfa Bank launched the "Bianxiangxing" interest-free installment payment. As long as a single purchase exceeds RMB 500, you can call 95508 to register for installment payment.

Number of installments: 6 months, 12 months, 18 months, 24 months;

Number of installments and handling fee standards:

Number of installments (One issue per month) 6 issues, 12 issues, 18 issues, 24 issues

Handling rate per issue

0.6% 0.6% 0.65% 0.7%

GF Banks can also handle mailing installment business. The main product providers are Digital China and Founder Technology. The installment method is the same as that of China Merchants Bank.

Guangfa’s control over the quota is based on the two forms of freezing and non-freezing after the audit, mainly depending on the audit results.

Handling fee: Installment fee is charged monthly; you can repay in advance. When repaying in advance, you need to call the Guangfa Card Customer Service Center to make records, and then an additional installment fee will be charged. The subsequent procedures Fees are waived.

3) ICBC

The installment payment service of Peony Credit Card is only provided to individual customers of Peony International Credit Card and Peony Credit Card.

The starting amounts of the installment payment business are: RMB 600 yuan, Hong Kong dollar 600 yuan, US dollar 100 yuan, and euro 100 yuan. The installment payment business cannot be applied for consumption lower than the starting amount.

ICBC freezes the full amount of consumption.

Number of periods and handling fee standards:

Number of periods

3 periods, 6 periods, 9 periods, 12 periods, 18 periods, 24 periods

Procedures Fee

1.65 (0.55 per month) 3.6 (0.6 per month) 5.4 (0.6 per month) 7.2 (0.6 per month)

11.7 (0.65 per month) 15.6 (0.65 per month)

ICBC currently supports installment payment via POS for special merchants. You can also convert ordinary consumption to installment payment through ICBC telephone banking and over the counter at business outlets.

4) China Construction Bank

Instalment payment for Long Card credit card consumption is only provided to the main cardholder of Long Card Dual Currency Credit Card and Long Card RMB Credit Card;

Instalment payment The starting amount of the payment business is: RMB 1,000;

The number of optional periods: you can freely choose 3, 6 or 12 periods (one period per month);

CCB freezes the full amount of consumption.

Consumption installment business fee rate standard

Instalment period (months) 3 6 12

Monthly installment fee rate

0.70 0.60 0.60

Application method: From the time you swipe your card to 3 working days before the bill date, call 800-820-0588 and transfer to manual service to apply.

5) Bank of Communications

Bank of Communications pays installment payment to Pacific Dual Currency Credit Card, Liu Xiang VISA Credit Card, Pacific RMB Credit Card, various co-branded credit card principal cardholders and supplementary cardholders Provided by others;

The starting amounts are: RMB 1,500/USD 100; (Y-POWER card RMB 500/USD 60)

Optional number of periods: freely selectable 6th issue, 9th issue, 12th issue, 18th issue, 24th issue;

BoCom freezes the full amount of consumption.

Number of periods and handling fee standards

Transaction amount reaches (yuan) Monthly handling rate ()

Monthly repayment amount (yuan)

RMB (RMB) USD (USD) 24 months (RMB) 24 months (USD)

1,500 100 0.72 73 56,500 800 0.70 316 39

6) Minsheng Bank

Minsheng Bank currently allows installment payment at designated merchants such as Gome and Suning. The card limit must be greater than or equal to the entire payment limit for the product in order for the payment to be successful.

The starting amounts of the installment payment business are: RMB 1,500;

The number of optional periods: you can freely choose between 3, 6 and 12 periods;

Number of periods and handling fee standards: (different merchants have different charging standards)

Oriental Home charging standards are as follows

Single consumption amount and period

Customer installment handling fee

Full consumption

1st period (normal transaction) 0￥1500-30000

3rd period 50￥1500-30000

6 issues 100￥1500-30000

12 issues 300

7) CITIC Bank

CITIC Bank can currently be designated in Gome, Suning, etc. The merchant pays in installments, and the card limit must be greater than or equal to the entire payment amount for the product in order for the payment to be successful. For example: This product costs 3,000 yuan and needs to be divided into 12 installments, with monthly repayments of 250 yuan. CITIC’s approach is to freeze the entire 3,000 yuan limit and repay 250 yuan every month.

The starting amounts of the installment payment business are: RMB 1,500;

The number of optional periods: you can freely choose between 6, 9, and 12 periods;

There is no handling fee for choosing 3 or 6 installments. Customers who choose 12 installments need to pay a handling fee of 2.5 for the transaction amount, which will be directly deducted from the customer's credit card account.

8) China Everbright Bank

Credit cards currently offering automatic interest-free installment payment services: Fuca MINI Card and Ruyi Sanbao MINI Card.

The starting amount of the installment payment business is: RMB 12;

The number of installments: automatically divided into 12 installments (one installment per month);

Handling fee: The first installment is free of charge; the monthly handling fee is 0.5%; the handling fee is charged monthly; the repayment can be made in advance, and after the early repayment, subsequent handling fees are waived;

Apply Method: There is no need to apply, use the above card, and it will be automatically divided into 12 periods if the conditions are met.

Reference:/blog/u/money/archives/2007/1678.html