What is the maximum number of credit card installments

1. The maximum installment of CITIC Bank and Industrial Bank is 36 installments;

2. The maximum number of stages for industry and commerce, construction, China, agriculture, transportation, investment promotion, people's livelihood, Ping 'an, Guangfa, Pufa, Huaxia, Savings and Bank of Beijing is 24.

a credit card, also known as a debit card, is a credit certificate issued by a commercial bank or credit card company to a consumer with qualified credit. It is in the form of a card with the name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back. Consumers with credit cards can go to special commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limit.

according to different card issuers, it can be divided into bank cards and non-bank cards

bank cards. This is a credit card issued by the bank. Cardholders can shop and spend money at the special merchants of the issuing bank, or withdraw cash at any time at all branches of the issuing bank or places with ATMs.

non-bank card.

this kind of card can be divided into retail credit card and travel and entertainment card. Retail credit cards are credit cards issued by commercial organizations, such as department stores and oil companies, which are dedicated to shopping in designated stores or filling gas stations, etc., and are settled regularly. Travel and entertainment cards are credit cards issued by service industries, such as airlines and travel companies, which are used for ticket purchase, dining, accommodation and entertainment.

according to different issuers, it can be divided into corporate cards and personal cards

corporate cards. Corporate cards are issued to all kinds of industrial and commercial enterprises, scientific research and education institutions, state party and government organs, military units, organizations and other legal organizations.

personal card. Personal cards are issued to individual urban and rural residents, including workers, cadres, teachers, scientific and technological workers, self-employed households and other adult urban and rural residents with stable income sources. Personal cards are applied for in the name of individuals and bear all the responsibilities of using them.

According to the credit status of cardholders, it can be divided into ordinary cards and gold cards.

Ordinary cards. Ordinary cards are issued to cardholders with average economic strength, credibility and status, and their requirements are not high.

gold card.

the gold card is an advanced credit card that pays a high membership fee and enjoys special treatment. Card issuers are those with high credit, strong repayment ability and credit or certain social status. The starting point of gold card authorization limit is higher, and the additional service items and scope are much wider, so the requirements for related service fees and guarantee money are also higher.

Can the credit card be divided into two installments at the same time?

Yes, after the credit card is overdrawn, you can apply for a single installment or wait until the bill is issued.

The following are the installment fee rates of several banks;

1. ICBC's credit card installment fee: free for 3 installments, 1.8% for 6 installments, 2.7% for 9 installments, 3.6% for 12 installments, 5.85% for 18 installments and 15.6% for 24 installments. (One-time charge)

2. ABC's credit card installment fee: .6% per month (charged every month).

3. Bank of China credit card installment fee: 1.95% for three periods, 3.6% for six periods, 5.4% for nine periods, 7.5% for 12 periods, 11.7% for 18 periods and 15% for 24 periods (one-time charge)

4. CCB credit card installment fee: .7% for three periods, and .6% for both six periods and 12 periods.

5. Credit card installment fee of CITIC Bank: 2.5% for the 12th installment (charged every month).

6. installment fee of Shanghai Pudong Development Bank Credit Card: .72% for the 3rd installment, .7% for the 6th installment and .66% for the 12th installment (charged monthly)

7. installment fee of China Merchants Bank Credit Card: 2.6% for the 3rd installment, 4.2% for the 6th installment and 7.2% for the 12th installment (charged monthly).

8. installment fee of bank of communications credit card: .72% per month (charged every month).

9. installment fee of guangfa credit card: .65% for the 6th installment and 12th installment, .7% for the 18th installment and .72% for the 24th installment (charged every month).

1. installment fee of everbright credit card: apply for repayment by installment before consumption, with 12-month installment, and charge .5% per month. There are 3 installments, 6 installments, 9 installments and 12 installments, and the handling fees are 2%, 4%, 5% and 6% respectively (one-time charge).

how many times can a credit card be divided into installments

A credit card can only be divided into installments once a month, and there is no limit on the number of installments for a single consumption. Bill installment means that after the bill is issued, the user chooses to repay by installment, while consumption installment means to choose installment payment when spending by credit card.

There is no conflict between bill installment and consumption installment. After the user selects consumption installment, the bill of the current period can be installment.

after the user's credit card is divided into several installments, he will have to pay more installment fees later, so users should pay attention to proper installment when using the credit card.

in the early days of credit card installment payment, banks often advertised under the banner of "interest-free", and indeed many citizens were "fooled". In fact, interest-free is not free, just a different name.

generally speaking, the handling fee for general credit card installment payment for one year is lower than the annual cash withdrawal interest of 18% and higher than the bank's one-year commercial loan interest of 5.31%. It is worth mentioning that the loan interest rate of commercial banks has been lowered many times since last year, but the standard of credit card installment fee and cash withdrawal interest has rarely changed. Although the standards of credit card installment fees in different banks are different, the calculation methods are roughly the same.

the minimum repayment amount means that if the cardholder has difficulty in repaying all the payables before the due repayment date (inclusive), he can make repayment according to the minimum repayment amount stipulated by the issuing bank, but he cannot enjoy the interest-free repayment period. The minimum repayment amount is 1% of the consumption amount plus other payables. The minimum repayment amount is listed on the current bill.

for cardholders, the setting of minimum repayment amount of credit card can ensure that personal credit is not limited by repayment ability to a certain extent. When you spend too much credit card and the repayment amount exceeds your repayment range, you can choose to repay with the minimum repayment amount, so that your personal credit will not be affected. But what you need to know is that this means that you can no longer enjoy the interest-free period.

minimum repayment amount = 1% of the consumption within the credit line+1% of the cash advance transaction amount+1% of the unpaid part of the previous minimum repayment amount+1% of the consumption exceeding the credit line+1% of the expenses and interest

In the above formula, the cash advance of some banks adopts the minimum repayment rate of 1%. Pay the "minimum repayment amount" before the due repayment date, and the interest will be calculated accordingly. But it will not affect personal credit. Cash advance does not enjoy the minimum repayment.

after spending your credit card, you will receive a statement from the bank when it comes to the billing date. There are two amounts, which we should write down. One is the amount payable in this period, and the other is the minimum repayment amount.

The billing cycle of a credit card is based on a month, usually 3 days, which is generated after you apply for a credit card. After you activate it, your billing cycle will be until the day of next month, during which your consumption will be counted as an installment bill, and the repayment date is set by yourself, usually with a time difference of about half a month.

how many credit cards can be divided into periods at most

The number of credit cards divided into periods varies from bank to bank. Most banks have credit cards divided into periods of 3, 6, 9, 12, 18 and 24, with a maximum of 36 periods.

1. China Merchants Bank: The shortest installment of China Merchants Bank's credit card is 3 and the longest is 24.

2. Bank of China: The shortest installment of China Bank's credit card is 3 and the longest is 24.

3. China Everbright Bank: The shortest installment of the credit card of China Everbright Bank is 3 and the longest is 15.

4. CITIC Bank: The shortest installment of CITIC Bank's credit card is 3 and the longest is 36.

5. China Construction Bank: The shortest installment of the credit card of China Construction Bank is 3 and the longest is 24.

6. ICBC: The shortest installment of ICBC's credit card is 3 and the longest is 24.

1. How many credit cards can be divided into installments at most

Different banks have different regulations on credit card installment. Generally, it can be divided into 3 installments, 6 installments, 12 installments, 18 installments and 24 installments, with a maximum of 36 installments, depending on the regulations of your card-holding bank. For example, Ping An Credit Card can be divided into 24 installments at most and 3 installments at least. However, the more credit card installments, the higher the handling fee rate. For example, the handling fee to be paid for the 24th installment is definitely higher than that for the 3rd installment (some banks have special circumstances)

The amount of credit card consumption of Minsheng Bank ranges from RMB 8 yuan to RMB 5, (excluding cash advance and various interest fees), so cardholders can apply for interest-free installment payment for the 3rd, 6th, 9th and 12th installments before the current bill date. Cardholders can apply for installment payment by calling the 24-hour customer service hotline of Minsheng Bank or logging in to online banking.

According to the customer service staff of Industrial Bank, customers can request cash installment within the limit, which can be divided into 1 installment (1 installment in one month), 3 installments, 12 installments and 24 installments, and the handling fees are 1%, 2.4%, 9% and 18% respectively. For example, if the customer's quota is 3, yuan, he can apply for cash installment of 3, yuan. If he chooses a one-year term, the bank will charge a 9% handling fee of 2,7 yuan, and then repay the principal of 2,5 yuan every month.

According to the materials of CITIC Bank, Huaxia Bank and Ping An Bank official website, their business can only be divided into 24 installments, and Huaxia Bank can apply for 36 installments at the longest, that is, three years. The handling fee varies from bank to bank. Take 12 installments, that is, one year, as an example, most of them are 9%. However, the customer service staff of CITIC Bank said that the handling fee of each installment is .85%, which is 1.2% a year. < P > How many installments can a credit card apply for < P > A credit card can apply for multiple installments, and the number of installments is not limited.

Precautions for credit card installment:

1. The installment amount will occupy the credit line.

for example, if you have a bill of 2, you have to pay for it in 12 months. If it is 2 per month, your credit limit will be reduced by 18 in the first month, because it is occupied. After each repayment, a part of the credit line will be restored.

2. Some consumption can't be divided into installments, such as the part that used the temporary quota, such as the part that should be paid back in the previous installment (the installment applied for last month, 2 will be paid back this month, and this 2 can't be divided any more).

Extended information:

Credit card installment times:

1. General installment:

The general installment business of credit cards is generally divided into 3 months, 6 months, 9 months, 12 months, 18 months and 24 months. Some banks have 36 months, and some banks only have 12 months. You need to pay the monthly repayment amount and all the handling fees in one lump sum on the first repayment date below. The handling fee is about 4% to 1%, and the regulations vary from bank to bank. Please pay attention to the inquiry.

2. Handling installment payment at the merchant:

Generally, such credit card installment needs to pay a certain handling fee, and the maximum installment is about 36 months.

3. Large installment payment:

Large installment payment is generally used for car purchase, house decoration, etc. The installment times are generally 12 months, 24 months and 36 months, and the handling fee is about 4%, 8% and 12%. Generally, the repayment amount of the current month and all the handling fees are paid in one lump sum on the first repayment date.

Baidu Encyclopedia-Credit Card

Baidu Encyclopedia-Credit Card Installment

How many credit card bills can be divided into installments?

general bills can be divided into 3, 6, 9, 12, 18 and 24 installments, with the longest installment being 24.

1. The minimum consumption for each bank to apply for installment is basically between 5 and 1,5 yuan, among which ICBC is in 6 yuan, CCB, BOC and CMB are in 1 yuan, Bank of Communications is 1,5 yuan, and CITIC is 1,2 yuan. However, Agricultural Bank of China and Guangfa Bank stipulate that you can apply for installment if the amount of a single credit card is 5 yuan or more.

China Everbright Bank does not require the amount. As long as the cardholder uses the designated card, the bill will be automatically divided into 12 installments.

2. charging standard: for example, 1.65% for ICBC in three phases; 3.6% in the sixth period; 5.4% in the ninth period; 12 periods of 7.2%; 18 periods, 11.7%; 24 periods, 15.6%; Charge a one-time handling fee.

Extended information:

Attention should be paid to credit card installment:

1. Interest-free does not mean fee-free

In order to encourage everyone to handle installment, many banks have put up the banner of " interest rate", and credit card installment has no interest. Although there is no interest on the surface, interest is charged in another name, called "installment fee", which is actually interest. At present, the installment fee of most banks ranges from .5% to .9% per month.

2. The real interest rate is greater than the nominal interest rate.

The credit card installment fee is between .5% and .9% every month, which seems to be quite low. For example, the monthly installment fee of 1, yuan in the bank is .55%, and the monthly repayment is 888.33 yuan. After one year's calculation, the principal is still 1, yuan +66 yuan interest. On the surface, it looks quite low, but the actual interest rate is much higher than this fee.

3. Prepayment fee is charged as usual

Many people think that it is enough to enjoy the benefits in installments and then return the money in advance. After the customer's application for installment payment is completed, in any case, these fees must be borne, and some "pothead" banks even charge an early repayment fee. Some banks also stipulate to pay off the installment bill in advance, and exempt the handling fee for the remaining months.

minimum repayment pit

if the cardholder can't repay all the payables before the due repayment date, he can make repayment according to the minimum repayment amount stipulated by the issuing bank. Generally, the minimum repayment amount is 1% of the consumption amount and other payables.

Baidu Encyclopedia-credit card bill installment

Baidu Encyclopedia-credit card

Let's stop here for the introduction of how many credit cards can be installment.