Introduction of credit card installment payment in Hangzhou Bank
1. Hangzhou bank credit card flexible installment
Flexible installment business is an installment payment business provided by Hangzhou Bank for the main cardholders with good credit status, which is only applicable to the consumer transactions that have been accounted for but not accounted for in the current period. When applying for flexible installment business, only the main cardholder can apply, and the card should be in a "normal" state, and transactions such as cash withdrawal, transfer, interest and handling fees cannot apply for flexible installment.
1. Application Amount: only flexible installment business with the total amount of a transaction can be applied, and flexible installment of some transactions cannot be selected. The amount of application for a single transaction must be above 500 yuan (inclusive).
2. Optional periods: Hangzhou Bank provides cardholders with four flexible periods: 3, 6, 9 and 12. After the application for flexible installment business is successful, the number of installments shall be calculated from the current billing cycle after the application is approved.
3. Application time: The cardholder must apply for flexible installment payment after the consumer transaction is recorded and before the current accounting date (excluding the current accounting date).
4. Application method: The main credit card holder of Hangzhou Bank calls the 24-hour customer service hotline of Hangzhou Bank to apply for flexible credit card installment.
5. Installment payment fee:
Period expense rate
3 1.8%
63.6%
95.4%
127.2%
Second, the credit card bill installment of Hangzhou Bank
Bill installment business is an installment payment service provided by Hangzhou Bank for eligible cardholders. When the cardholder pays a certain installment fee, the unpaid part of the RMB bill consumption transaction amount can be repaid in equal installments according to the number of installments applied by the cardholder.
1. Application amount: 100% of the unpaid RMB bill for consumer transactions, with the lowest 500 yuan. Consumption corresponding to overpayment and temporary limit cannot be charged by installments.
2. Number of optional periods: the number of periods that can be applied for is 3, 6, 9, 12 and 18 (one month for each period).
3. Application time: For the transaction that has been billed, you can apply for installment from the day after the billing date to the due repayment date.
4. Application method: Cardholders can apply for cash installment business through Hangzhou Bank's 24-hour customer service hotline, online banking, SMS banking, mobile banking and WeChat banking.
5. Installment payment fee:
Period expense rate
30.8%/ period
60.7%/ period
90.7%/ period
120.7%/ period
180.72%/ period
Bank of Hangzhou credit card cash installment payment
Cash installment business is a business provided by Hangzhou Bank to eligible credit card holders, which overdraws funds within the credit card limit of Hangzhou Bank and transfers them to the valid debit card account opened by the cardholder himself in Hangzhou Bank, and agrees with Hangzhou Bank to return the principal and handling fee to the credit card account of Hangzhou Bank in installments.
1. Application amount: for credit card cash installment business, it must be an integer multiple of 100 yuan, and the minimum single payment amount is RMB 500 yuan. In any case, the total outstanding principal of the cash installment application shall not exceed the available credit limit of the cardholder, and the maximum amount shall not exceed RMB 500,000.
2. Number of optional installments: Hangzhou Bank provides cardholders with 3 installments, 6 installments, 9 installments, 12 installment, 18 installment and 24 installments in cash (one month for each installment).
3. Application time: For the transaction that has been billed, you can apply for installment from the day after the billing date to the due repayment date.
4. Application method: Cardholders can apply for cash installment business through Hangzhou Bank's 24-hour customer service hotline, online banking, SMS banking, mobile banking and WeChat banking.
5. Installment payment fee:
Period expense rate
30.85%/ period
60.75%/ period
90.72%/ period
120.72%/ period
180.75%/ period
240.75%/ period
Bank of Hangzhou credit card mail order installment payment
Mail-order installment payment is a new financial service that Hangzhou Bank cooperates with quality product suppliers to provide interest-free installment payment for credit card holders of Hangzhou Bank. Suppliers who cooperate with Hangzhou Bank will strictly follow the relevant laws and regulations on the protection of consumers' rights and interests in China to ensure the quality of the goods ordered and provide after-sales service.