How to turn off the automatic installment of credit card (credit card)?

If the automatic installment function is turned on for a credit card (debit card), the user can go to the counter or cancel via mobile phone. Call the customer service hotline of the card-issuing bank, and then transfer to manual service. At this time, provide the credit card (debit card) card number, ID number, etc. to complete the identity verification, and then ask the customer service to turn off the automatic installment function of the credit card (debit card). , customer service will help users set it up.

Of course, users can also directly take their ID card and credit card (debit card) and go to the bank lobby to handle the business, which can usually be done at a self-service machine.

What should I do if my credit card is automatically amortized?

If the credit card is automatically amortized when making purchases, the customer will repay the monthly amount on time according to the installment amount and number of installments. Just pay the corresponding handling fee. If customers want to repay in advance, they can also call the card-issuing bank to apply. Some support automatic early repayment in installments. If you repay the loan in advance, the handling fee already collected will not be refunded. Moreover, when you repay the loan in advance in one lump sum, you will most likely have to pay the handling fee for subsequent installments that have not yet been repaid.

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1. The reason why credit cards automatically pay installments is probably because customers signed an agreement on automatic installments when applying for the card, and agreed with the bank that when the credit card consumption reaches a certain amount, The banking system will automatically carry out installments. If the customer does not want his credit card to be automatically installmentd all the time, he can also call the bank's customer service number and apply to the customer service staff to cancel the automatic installment, or apply to modify the starting installment amount (specifically whether it can be canceled or modified, you still have to Subject to the regulations of the card issuing bank).

2. Many customers have checked the relevant options when applying for a card, or made relevant representations when receiving marketing calls or text messages from banks, but have forgotten them over time; it is also possible that The customer misunderstood the meaning of the terms or the staff's statements during communication. In the past few years, the credit card business management of some banks was not standardized. It cannot be ruled out that some salesmen deliberately concealed important information to lure customers, and even checked the "automatic installment" option on the application form for customers in violation of regulations. Without the customer's consent or authorization, it is certainly impossible for the bank to open this business without authorization.

3. There are also some customers who have disputes who took the initiative to apply for the automatic installment service on the App, but they all said that they did not remember checking the box on the App. Usually credit card holders do not read the terms carefully, and bank staff do not provide detailed information about the relevant business. In this case, the card holder is easily "scammed" and passively chooses the installment business. In addition, some banks put key information in inconspicuous places, and cardholders sometimes neglect to check the installment charges on their monthly bills. These are also factors that trigger consumption.

My Pudong Development Bank credit card was automatically amortized on the statement date, what should I do?

I am in the same situation as the original poster.

1 I called to find out. This is because Shanghai Pudong Development Bank changed the automatic installment contract on May 19, from the original repayment date installment to the statement date installment.

2 You call Pudong Development Bank’s complaint hotline and emphasize that customers were not notified of this change. For example, there was no phone call or text message to notify you. Anyway, they failed to fulfill their obligation to inform you. It is required to cancel the business and restore the previous bill installments.

3 If the bank ignores you or does not handle the matter, you can complain to the China Banking Regulatory Commission after 3 working days.

4 If possible, record your conversation with customer service. Can be used as evidence

This is the end of the introduction on how to do automatic credit card installment and how to use credit card to installment. I wonder if you have found the information you need?