The annual fee for the next year can be waived by swiping the general card and the gold card of CCB three times a year. Generally, this discount does not include special cards such as business cards and car cards. The standard platinum card of CCB requires high annual fee exemption, and it needs to be swiped for 18 times every year before the annual fee can be exempted.

when a cardholder uses a credit card to make a large amount of consumption, the card-issuing bank pays the consumer funds of the goods purchased by the cardholder to the merchant in one lump sum, and deducts the consumer funds through the cardholder's credit card account in stages according to the cardholder's application, and the cardholder repays according to the monthly recorded amount.

in the past, credit card installment mainly included bill installment and single consumption installment, and banks usually charged corresponding handling fees according to the number of installments. Whether it is bill installment or single consumption installment, the premise is to generate consumption behavior first, and then the bank will set up the installment repayment of the generated credit loan. Extended information

All card-issuing banks can basically support this staging method, and the application is simple. Users only need to apply for installment to the issuing bank by telephone after spending their credit cards and before sending monthly bills.

every bank will stipulate some special cases, such as the speculative credit card cannot be successfully phased. So before staging, be sure to read the staging manual carefully. The disadvantage of bill installment is that you can't waive the handling fee. The longer the number of installments, the higher the handling fee, and all of them should be borne by the cardholder himself.

Baidu encyclopedia-credit card