(1) A cardholder applying for bill installment business shall meet the following conditions:

1. The cardholder meets the conditions for handling the bill by stages; (Except for business card holders and foreign card holders, supplementary card customers can be applied by the main card holder. )

2. The monthly installment amount of the cardholder's bill is 200 yuan and above; (Except for transactions that cannot apply for bill installment)

3. The maximum amount of the cardholder's application for bill installment shall not exceed 95% of the current bill amount.

(2) Cannot apply for the transaction of bill installment:

1. installment payment transaction has been processed;

2. Dispute transactions, cash withdrawal transactions and various interest charges (including but not limited to handling fees, interest, late fees and other credit card charges, etc.). );

3. Unrecorded transactions and other transactions designated by banks.

(3) Time and channels of application

Application time: the cardholder must apply for bill installment business from the day after the current billing date to the day before the final repayment date.

Application channels: cardholders can apply through our customer service hotline, sales line, credit card online banking, mobile phone card space, SMS, WeChat and other channels.

(4) After the cardholder successfully applies for the bill installment business, the number and amount of installments applied for cannot be changed.

Two. Use, charging and reimbursement

(1) The number of installments that cardholders can apply for is 1, 3, 6, 9, 12, 18, 24 and 36, and the fees are as follows:

1 1.50% 3 0.80% 6 0.80% 9 0.76% 12 0.73% 18 0.75% 24 0.75% 36 0.75%.

(2) Repayment of principal by installments = total installment amount of bills/number of installments. Repayment of principal in installments (accurate to the minute) shall be credited to the cardholder's credit card account on a monthly basis. If the principal cannot be divided, the remaining part shall be recorded in the first installment. Handling fee for each period = total amount of bills in installments × handling fee rate for each period corresponding to the number of installments. (The total amount of a single installment is less than 2000 1 yuan, and the handling fee is charged at one time. If the total amount of a single installment reaches 2000 1 yuan or above, the handling fee will be charged by installment; After the application is successful, the handling fee will be credited to the cardholder's credit card account in one lump sum or in stages according to the corresponding charging method, and once charged, it will not be refunded. )

(3) After the cardholder successfully handles the bill installment, the credit line corresponding to the credit card will be occupied, and the occupied credit line will be restored with the repayment of each installment until the balance of the last installment or all installments is paid off in advance.

(4) The cardholder has successfully handled the installment amount of the bill, and cannot apply for installment again and choose the minimum repayment method for repayment. If the cardholder fails to repay the remaining bill amount of the current period in full and on time after successful handling, or any expected contribution amount is not fully repaid, it will be deemed as insufficient repayment, and interest or late fees will be incurred. For details of the charging standard, please refer to the credit card charging standard table of CITIC Bank.

(5) For the successful bill installment business, if the cardholder needs to pay off the outstanding installment balance in advance, he must call our customer service hotline to apply. After the application is approved, the unpaid installment principal must be repaid in one lump sum, and the fees collected will not be refunded (including one-time and installment fees), and the remaining unpaid fees will not be charged.