After withdrawing cash with a credit card, you can repay in installments. You can withdraw cash in installments with your credit card after the bill is issued, but you have to call customer service to apply, and you have to pay a certain handling fee.

The bill installment business (hereinafter referred to as "bill installment") refers to the business in which our bank provides installment repayment services for the cardholder's consumption amount that has been billed according to the cardholder's application, including the current bill Installment business and past bill installment business.

The current bill installment business refers to applying for installments for the consumption amount of the current bill in the current period, and the past bill installment business refers to applying for installments for the consumption amount of previous bills (excluding current bills).

According to Article 7 of the "Regulations on the Supervision and Administration of Credit Card Business of Commercial Banks": A credit card refers to a credit card that records cardholder account information, has bank credit lines and overdraft functions, and provides cardholders with relevant banking services. All types of media.

The credit card stipulated in the relevant laws of our country ("Interpretation of the Standing Committee of the National People's Congress on lt; the People's Republic of China and the Criminal Law of the People's Republic of China; and the relevant provisions on credit cards") refers to a credit card issued by a commercial bank or other financial institution. An electronic payment card issued by an institution with all or part of the functions of consumer payment, credit loan, transfer settlement, cash deposit and withdrawal, etc. On December 1, 2017, the "English Translation and Writing Standards in the Public Service Field" was officially implemented, stipulating that the standard English name of credit cards is Credit Card.

Credit card consumption is a non-cash transaction payment method. There is no need to pay cash when consumption, and repayment will be made on the billing date.

Credit cards are divided into credit cards and quasi-credit cards. Credit cards refer to credit cards in which the cardholder has a certain credit limit and can consume within the credit limit and then repay; quasi-credit card It refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund as required. When the reserve account balance is insufficient to pay, the cardholder can overdraw within the specified credit limit. The so-called credit card generally refers to a credit card only.

Starting from January 1, 2021, the credit card overdraft interest rate will be determined independently by the card issuer and the cardholder through independent negotiation, and the upper and lower limit management of credit card overdraft interest rates will be cancelled. The daily interest rate is 0.7 times 5/10,000).

On May 25, 2021, the Supreme People's Court issued and implemented the "Regulations of the Supreme People's Court on Several Issues in the Trial of Bank Card Civil Disputes".

Bill installment can only be applied for by the principal cardholder of the personal credit card. Some specific credit card products do not support the bill installment function.

Cardholders can apply for installment of the current bill from the day after the current bill date to the end of business on the due repayment date of the current bill. Cardholders can also agree with our bank in advance to use our bank system on the bill date. Automatically handle current bill installments. If the repayment date for the current bill exceeds the due date, you can apply for installment of past bills from the day after the next bill date.

The minimum amount of a single bill installment transaction for a RMB account is 500 yuan, and the minimum amount for a single bill installment transaction for a foreign currency account is 50 USD/EUR/AUD.

The maximum amount of the current bill installment transaction shall not exceed the total amount of new consumption transactions in the current period bill of the corresponding account, and the maximum limit of the previous period bill installment transaction shall not exceed the total unpaid arrears of the corresponding account's previous period bill consumption transactions, and the amount of the installment has been processed Except for transactions not permitted under paragraph (3).

The amount of the current bill installment that is successfully processed is the lower of the total new consumption arrears in the current bill and the current consumption arrears balance in the cardholder's corresponding currency account when applying for the current bill installment;

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If due to repayment or other reasons, the credit card's consumption debt balance in the corresponding currency account is lower than the minimum amount of the current bill installment when applying for bill installment, the current bill installment will not be processed, and our bank system will handle it based on Except for bill installments agreed to be processed automatically.