The relevant terms of installment use, charging and repayment of credit card bills of CITIC Bank are as follows:

(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:

(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.

Need to be reminded that the bill installment and single installment amount reach 2000 1 yuan and above, and the handling fee is charged in installments; 20 thousand yuan and below, the handling fee is charged at one time. After the installment business application is successful, the handling fee will be credited to the cardholder's credit card account in installments or at one time according to the corresponding collection method, and once collected, it will not be refunded.