The conditions for overdue credit card installments of 60 installments are as follows:

1. First, the bank must confirm that the amount in the credit card has completely exceeded the user's repayment ability;

2 . Cardholders should take the initiative to contact the bank and express a good attitude;

3. Cardholders should provide evidence that they are temporarily unable to repay, such as balance sheets, bank statements, and proof of no employment, etc.;

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4. The cardholder develops a repayment schedule and proves his ability to repay, and can provide proof of real estate and car ownership;

5. The cardholder cannot cut off ties with When contacting the bank, you cannot refuse to answer the phone or lose contact due to moving or changing jobs. It is best to add some money to the card every month after the due date, and make appropriate installments according to the amount of debt owed.

Instalment payment

Credit card installment payment means that when the cardholder uses a credit card to make large purchases, the card-issuing bank pays the merchant a one-time payment for the goods (or services) purchased by the cardholder. consumption funds, and according to the cardholder's application, the consumption funds will be deducted from the cardholder's credit card account in installments, and the cardholder will repay according to the monthly account amount. In the past, credit card installments mainly included bill installments and single consumption installments. Banks usually charged corresponding handling fees based on the number of installments. Whether it is bill installment or single consumption installment, the premise is that consumption behavior occurs first, and then the bank sets the installment repayment of the credit loan generated.

Most domestic banks in China have credit card installment services. Installments are generally divided into shopping mall (POS) installments, "mail order installments" and bill installments through the Internet, mail, etc. depending on the occasion. .

Bill installment is the most convenient installment method. Basically, all card-issuing banks can support this installment method, and the application is simple. Users only need to submit an installment application to the card-issuing bank by phone or other methods after swiping their card for consumption and before monthly bills are sent. However, it should be noted that each bank will stipulate some special cases. For example, speculative card swiping will not be successful in installments. So before proceeding with staging, be sure to read the staging manual carefully. The disadvantage of bill installment is that the handling fee is not waived. The longer the number of installments, the higher the handling fee, all of which must be borne by the cardholder.

Mail order installment means that the cardholder receives the installment mail order catalog manual sent by the card-issuing bank (or the bank's online installment mall) and chooses from limited products. Then order through the online installment mall, call or fax the mail order installment application form, etc. to the bank for installment mail order. There is generally no handling fee for mail order installments regardless of the number of installments. However, due to the long ordering cycle (in many cases it will take more than 15 working days to get the product) and the relatively cumbersome return and exchange process, it is recommended to do more comparisons before purchasing.