How to apply for cash installment with Everbright Bank credit card

If you need cash flow urgently, but don’t want to withdraw cash, you can apply for cash installment to obtain funds. So, how to apply for Everbright Bank credit card cash installment? What matters need to be paid attention to? If you also have such a problem, you may wish to learn about it together.

Question 1. How to apply for Everbright Credit Card cash installment.

Answer:

Cash installment refers to Everbright transferring the transfer amount within the cash withdrawal limit of your credit card to the savings card in your name. When handling this business, you You need to agree on the repayment period and choose the number of installments. When repaying each month, you only need to repay according to the agreed installment plan.

Generally, there are three methods to handle this business:

1. China Everbright Bank takes the initiative to call outbound to invite you to handle it.

2. Customers call the Everbright Bank service hotline: 400-6666-999, extension 3.

3. SMS installment: After receiving the installment SMS from China Everbright Bank, reply as required.

Question 2. What is the cash installment limit of Everbright Credit Card?

Answer:

Ebright Bank credit card cash installment is only in RMB currency. The transfer amount is within the total credit limit of the credit card. The minimum amount applied by the cardholder each time is RMB. 2,000 yuan.

Question 3. How much is the cash installment fee for Everbright Credit Card?

Answer:

China Everbright Bank's credit card cash installment business mainly has 3, 6, 9, and 12 installments to choose from. The cash withdrawal installment service fee is equal to the total installment amount multiplied by the installment period. The handling fee rate corresponding to the number will be deducted in the month when the installment becomes effective, and will be charged in one lump sum in the next installment.

The rate for 3 periods is 3, the fee for 6 periods is 5, the fee for 9 periods is 7, the fee for 12 periods is 9.5,

Question 4: How long does it take for Everbright Credit Card cash installments to arrive?

Answer:

After successfully applying for the Everbright Bank credit card cash installment business, the installment amount will be transferred to the Everbright Bank debit card account under the customer's name within 3 working days. .

Question 5. Can I repay in advance after successfully applying for Everbright Credit Card cash installment?

Answer:

You can repay the loan in advance after applying for cash installment, but you need to apply. It should be noted that after canceling the installment, all remaining principal and handling fees will be credited to the account at once. Installment fees collected are not refundable.

How to apply for installment purchase if your Everbright Bank credit card limit is not enough?

When many cardholders are shopping online, they see the products they like and want to apply for installment purchase, but they find that their credit card limit is not enough, so they Don't know what to do. In fact, there are ways to apply for installments if your credit card limit is not enough. Let’s take the general credit card as an example to give you an introduction.

Card friend Xiao Wu wants to buy an Apple computer through bill installment, but his Everbright Bank credit card limit is only 10,000 yuan, and he still needs 900 yuan to buy a computer. I don’t know if he can apply for it. installment. Under normal circumstances this is not possible, but some measures can be taken to achieve this goal.

First of all, let me introduce to you the situation of credit card installment.

Credit card installment refers to spending within the credit limit, and then applying for installment repayment after the bill comes out. , which can alleviate the repayment pressure of cardholders and allow cardholders to buy their favorite products.

However, even if your credit card limit is not enough, there are ways to apply for installment. The specific method is as follows:

1. Deposit the difference into the credit card, increase the credit card limit, and then apply for installment after the bill comes out. For example, the computer that Xiao Wu wants to buy costs 10,900 yuan, so he can deposit 900 yuan into his credit card, so that he can use his credit card to buy the computer.

After buying a mobile phone, wait until the current bill comes out, and then apply for installment. This way, even if the credit card limit is not enough, you can still get an Apple computer.

2. The credit card limit has a fixed limit and a temporary limit.

If the fixed limit is not enough, you can apply for a temporary limit. However, the temporary limit is valid for one month, and the temporary limit cannot be repaid according to the minimum repayment amount, nor can you choose to repay in installments.

3. Increase the fixed amount. This is suitable for less urgent situations. Because it is necessary to use the credit card for more than half a year to increase the fixed limit. Having good consumption habits, repayment habits, no bad credit record, frequent credit card swiping, and regular participation in credit card activities will help increase the fixed limit.

How to apply for installment repayment at China Everbright Bank

If you are unable to apply for installment due to insufficient credit, we recommend the following methods:

(1) Apply for an increase Fixed quota;

(2) For the insufficient amount, the installment transaction (i.e. overpayment installment) is completed by depositing the corresponding amount; this requires manual application.

(3) Pay part of the money to the merchant in cash or other ways to reduce the amount of installment payment;

(4) After the one-time payment, call to apply for bill installment, but the bill Corresponding handling fees need to be paid in installments. Whether the application is approved shall be subject to the comprehensive assessment results of our bank.

How can you increase the limit of a credit card?

1. Credit cards cannot be used as debit cards

I believe everyone knows the difference between credit cards and debit cards. Credit cards are for credit consumption. , depositing and withdrawing money at will is not a good card usage behavior. If you want to increase your limit, use them separately. Credit card cash withdrawals will charge a certain fee, which is not cost-effective.

2. Frequently swipe your credit card

Credit cards have annual fees. Some cards are free of annual fees if you spend a certain amount. Some are free of annual fees after a certain number of transactions. By swiping your credit card frequently, you can not only avoid annual fees, but also increase your credit card limit. If you use it regularly, you will invisibly become an active user of the card issuing bank. When you increase your credit limit, you will receive certain rewards.

If you have continuous and stable consumption and have transactions every month, the card issuer will even take the initiative to provide you with a credit limit increase. Even if you apply for a permanent quota increase, the possibility of being approved is very high.

3. Irregular high-amount consumption

Frequent use of credit cards represents stable activity, while irregular large-amount consumption and the ability to repay it on time will be recognized by the card issuer. For quality customers. It will also become very simple for card owners to apply for a limit increase. Of course, this type of large consumption is not a max-out.

There is a big difference between frequently swiping your credit card and frequently maxing out your credit card. Normally, when applying for a credit card, the limit will not be very high. If you frequently empty your credit limit in one go, even if you can repay it on time later, it will be a big no-no for you to increase your credit limit.

Everbright Bank Credit Card Bill Installment

Ebright Bank Credit Card Bill Installment means that the customer applies for installment payment based on the consumption amount shown on the current bill (i.e. the consumption amount that has been issued for the current period). The amount must be greater than RMB 500 (inclusive).

For example, regarding the bill amount in installments, the customer's May bill shows an outstanding balance of RMB 10,000, and the bill details are all eligible for installment transactions (see Item 1 of Article 6). Then, customers can apply for IN time loan bill installment business when the repayment is due. The applied installment amount must be greater than (equal to) 500 yuan and not exceed 10,000 yuan.

1. Application amount for installment payment of Everbright Bank credit card bill: The amount applied for installment must be greater than RMB 500 (inclusive).

2. Application time for installment payment of Everbright Bank credit card bill

(1) Application through customer service phone: before 21:00 from the bill date to the due date of repayment;

(2). Apply through online banking: from the statement date to 16 days after the statement date.

3. Number of installments and handling rate for Everbright Bank credit card bill installments

Note: The handling fee is equal to the total installment amount multiplied by the installment handling rate, and is charged once in the current installment.

Application method:

1. Call the service hotline 400-6666-999 to apply.

2. Apply online through the "Bank Service Area" of the credit card website.

3. Call the 724-hour global service hotline 4007-888-888 to apply;

4. China Everbright Bank will call some customers to invite them to apply.

This is the end of the introduction on how to use Everbright Credit Card in installments and how to buy mobile phones in installments with Everbright Credit Card. Have you found the information you need?