ICBC credit card SMS installment business is another brand-new credit card installment business method provided by ICBC for cardholders. This business will be completed through telephone, online banking, counter, etc. After cardholders swipe their cards at merchant POS machines to make purchases, ICBC will proactively send business invitation text messages to eligible cardholders, and cardholders can handle the installment payment business by replying via text messages. Once the installment is successful, ICBC will deduct the installment payment and handling fee according to the time limit agreed with the customer, and the customer will repay the loan in monthly installments.
What are the application conditions for ICBC credit card SMS installment payment
1. Applicable objects
Personal credit card customers invited by ICBC. ICBC credit cards (including dual-currency credit cards, multi-currency credit cards, RMB credit cards, excluding Yida credit cards) personal cards can handle SMS installments.
2. Optional installment payment terms
ICBC credit card SMS installment payment provides optional installments of 6, 12 and 24 installments.
3. Processing process
Receive an invitation text message to handle ICBC installment payment business - forward this text message to 95588 - reply with the transaction code "FQ# issue" according to the text message prompts ——Get the processing results.
The SMS installment service is only for customers who have customized the balance change reminder SMS. The business processing invitation SMS is sent to you after the balance change reminder SMS is sent, so it is recommended that you customize the balance change reminder SMS. Moreover, the balance change reminder SMS service is free. SMS installment means that the system automatically triggers marketing text messages for consumption transactions that meet the conditions of SMS installment, and invites customers to apply for the installment business for the consumption. The customer handles this by replying to the text message. If you have not received an invitation text message from ICBC, you cannot directly send a text message to make an installment payment for a certain consumer transaction.