How to apply for installment payment with CCB credit card

If you want to apply for installment payment with CCB credit card, you can adopt the following methods:

Operating environment: iphone12 China Construction Bank 5.6.1.002

1. Log in to CCB Personal Online Banking, click to enter the "Credit Card" page, select "Card Account Transactions"; then select "Credit Card Installment"; then select "Consumption Installment Application"; then click what you need Installment transaction records; then follow the system prompts to apply.

2. Log in to the latest version of China Construction Bank’s mobile banking client, click “Credit Card”, select “Instalment Repayment”, and then click the “Consumption Installment” menu to apply.

3. Follow the "China Construction Bank" official account on WeChat, then enter the official account, click the "Credit Card" option, enter the "Business Processing Hall", then click "" on the page, and click "For You can apply through the "Consumption Installment" menu if you recommend it.

Everyone needs to note that the CCB installment payment service requires cardholders to apply for a single purchase of more than 300 yuan (inclusive) or equivalent, and the application must be made 2 days before the latest bill date. Only then (consumption must be between the time the transaction is recorded and 3 working days before the latest bill date).

1. CCB Credit Card is a credit card issued by China Construction Bank. All credit cards issued by China Construction Bank are named "Dragon Card", and the types include: Dragon Card Prestigious School Card, Dragon Card Business Card, Dragon Card Car Card, etc. Annual fee-free policy: No annual fee for the following year if you swipe the card 3 times or 18 times (excluding business cards, car cards and other special cards). Cash withdrawal fee: Domestic: 5‰ of the transaction amount, minimum 2 yuan, maximum 50 yuan; overseas: 3% of the transaction amount, minimum USD 3. Multi-account management: Maximum credit limit enables you to enjoy the same repayment on multiple CCB cards on the billing day. Independent online payment: Alipay: You can use it after online registration. The single and single-day limit is 500 yuan. Installment business: Supports interest-free for specific merchants. Phases (3rd phase, 6th phase, 12th phase). After a single purchase of more than 1,000 yuan, you can apply for installments (3, 6, 12, 18, 24 installments) by phone. Each installment will have different procedures depending on the number of installments. Billing date: There are multiple billing dates per month, and the cardholder can change it once a year during the validity period of the card. Currency: RMB, RMB/USD, RMB/EUR

2. During the interest-free repayment period: The interest-free repayment period refers to the consumption transactions enjoyed by cardholders who repay in full on time. The interest-free period is from the bank accounting date to the repayment date, with a minimum of 20 days and a maximum of 50 days. Overdraft cash withdrawal transactions do not enjoy the interest-free repayment period.

3. Tip: If you fail to repay in full before the due payment date, you will not enjoy the interest-free period. China Construction Bank will charge interest at a daily rate of 5/10,000 and compound interest on a monthly basis. The interest accrual date is from the date of consumption to the repayment date, and the interest accrual principal is calculated based on the actual amount payable. If you fail to repay before the due payment date or the repayment amount is less than the minimum repayment amount, China Construction Bank will not only charge interest according to regulations, but also charge a late payment fee of 5% of the unpaid portion of the minimum repayment amount.

How to repay in installments with CCB credit card

Operating environment:

Brand model: OnePlus 10Pro

System version: ColorOSV12.1< /p>

App version: v5.6.7

The CCB credit card installment application method is as follows:

1. CCB credit card SMS application for installment. Use the mobile phone number reserved with China Construction Bank, edit the text message "CCZZ#last 4 digits#amount#issue" and send it to the official phone number of China Construction Bank to apply for installment repayment.

2. CCB credit card mobile banking installment. Enter "CCB Mobile Banking", click "Credit Card" - "Bill Installment Application" and fill in the information as prompted.

3. CCB credit card online installment. After logging into the official website of China Construction Bank, personal online banking users select "Credit Card Inquiry" - "Select" - "Query Issued Bills" - "Apply for Bill Installment".

4. CCB credit card phone installment. To apply by phone, call the CCB credit card customer service number, enter the information and follow the prompts.

CCB Credit Card is a credit card issued by China Construction Bank. All credit cards issued by China Construction Bank are named "Dragon Card", and the types include: Dragon Card Prestigious School Card, Dragon Card Business Card, Dragon Card Car Card, etc.

Knowledge

No annual fee policy: swiping the Gold Card 3 times or 18 times will waive the annual fee for the following year (excluding business cards, car cards and other special cards)

Cash withdrawal handling fee: Domestic: 5‰ of the transaction amount, minimum 2 yuan, maximum 50 yuan; overseas: 3% of the transaction amount, minimum 3 US dollars.

Multiple account management: Limit ***Enjoy multiple CCB cards with the same billing date and independent repayment

Online payment: Alipay: You can use it after online registration, single payment and single payment The daily limit is 500 yuan

Instalment business: interest-free installments (3, 6, and 12 installments) from specific merchants are supported. After a single purchase of more than 1,000 yuan, you can call to apply for installments (3, 6, 12, 18, 24 installments). Each installment will incur different handling fees depending on the number of installments

Billing date: every month There are multiple billing dates, and the cardholder can change it once a year during the validity period of the card

Currency: RMB, RMB/USD, RMB/EUR.

Interest

During the interest-free repayment period: The interest-free repayment period refers to the interest-free period for consumption transactions enjoyed by cardholders who repay in full on time. The interest period starts from the bank accounting date to the repayment date, with a minimum of 20 days and a maximum of 50 days. Overdraft cash withdrawal transactions do not enjoy the interest-free repayment period.

Tips:

If you fail to repay the loan in full before the due payment date, you will not enjoy the interest-free period. China Construction Bank will charge interest at a daily rate of 5/10,000 and compound interest on a monthly basis. The interest accrual date is from the date of consumption to the repayment date, and the interest accrual principal is calculated based on the actual amount payable.

If you fail to repay before the due payment date or the repayment amount is less than the minimum repayment amount, China Construction Bank will not only charge interest according to regulations, but also charge the unpaid portion of the minimum repayment amount. 5% late payment fee is charged.

Can I apply for installment with CCB credit card?

Can I apply for installment with CCB credit card? You can apply through WeChat application, SMS application, mobile banking application, and online application.

1. WeChat application

Follow the "CCB Electronic Banking" public account;

Bind a credit card, click "Credit Card" - "Bill Installment" - " Click here to apply for installment.”

2. SMS application

Use the mobile phone number reserved by China Construction Bank, edit the text message "CCZZ last 4 digits#amount#issue" and send it to 95533 to apply for installment repayment .

3. Mobile banking application

Enter "CCB Mobile Banking", click "Credit Card" - "Bill Installment Application" and fill in the instructions.

4. Online application

Log in to the official website of China Construction Bank. For personal online banking users, please click Apply for Bill Installment and select "Credit Card Inquiry - Select - Query Issued Bills - Apply for Bill Installment".

After entering the credit card channel, registered users click to apply for bill installment, and select "-Bill issued--RMB-Apply for bill installment".