Name: Zunshang Platinum Staging Card of China Merchants Bank
Card limit: up to 300,000.
Annual fee policy: annual fee is free in the first year, and annual fee is free in the following year if you swipe your card three times in the current year.
Automatic installment amount: the total consumption reaches 300 yuan or 2000 yuan.
Installment rate: (The specific rate is subject to the actual notice of the bank)
Taking the installment card of China Merchants Bank as an example, we can see several characteristics of the installment card. First of all, it is certain that the installment card is actually a kind of credit card, but it is not an accessory card, and it is independent. The biggest difference between it and the ordinary credit card is that it is automatic installment consumption.
The advantages of installment card are: high amount! Generally, it is 65438+ 10,000 cases.
The disadvantage of staging card is: high staging rate! Look at the speed, it hurts.
In addition, installment cards are generally granted independently, that is, they will not be linked to other credit card limits of your bank. Of course, some banks are linked. If linked, it can be used as a curve to withdraw money, which is also an idea.
Of course, there are also some very good rates, such as the music score card of Agricultural Bank of China.
Card Name: China Agricultural Bank Le Branch Card (Automatic Staging Upgrade Edition)
Card limit: up to 300,000.
Annual fee policy: no annual fee.
Automatic installment amount: automatic installment in 500 yuan for consumption summary.
Installment rate: (The specific rate is subject to the actual notice of the bank)
If you can apply for the Agricultural Bank of China Le Branch Card, I suggest you apply. After all, the rate is quite attractive, and the qualifications of ordinary people can certainly not be applied; If it is another installment card, it is recommended not to consider it. After all, there seems to be only one conscience like ABC.
Let's call it a day. We will continue tomorrow. Goodbye.
Related question and answer: What does the installment card mean? It means that the repayment date is up, but the money owed should be paid off in several batches. 1. The exclusive installment card of China Merchants Bank is a special credit card for installment. After use, the cardholder will automatically complete the installment, which will generate the principal and handling fee for installment repayment. Application conditions for exclusive consumption installment card of China Merchants Bank: 1. Only holders of China Merchants Bank personal credit cards can apply, and only holders of student cards, business cards, business cards, purchase cards or supplementary cards can not apply for the time being. 2. After the first installment card application is successful, an independent installment card account will be generated. The installment card used by the cardholder shall not be used for production and operation, investment, house purchase and other purposes, and shall not be used for illegal activities. After the automatic installment is completed, the successful installment transaction cannot be cancelled, nor can the amount or number of installments of the successful installment transaction be changed. Successful installment transactions are automatically cancelled and are not affected by repayment or return. 1. The exclusive installment credit card of China Merchants Bank refers to the installment credit card issued after the cardholder applies to China Merchants Bank for consumer demand and is approved by China Merchants Bank. After the cardholder uses the installment card to spend in the merchants designated by China Merchants Bank, he will automatically complete the installment according to the number of installments agreed with China Merchants Bank in advance, and repay the principal and installment fee by installment. The principal and installment fee of each installment will be included in the installment card bill of the current period. 2. The installment card is only applicable to the main cardholder of China Merchants Bank Credit Card Personal Card, and only the cardholders of student card, business card, business card, purchase card or supplementary card can not apply for it temporarily. Cardholders can apply for installment cards through official credit card client of China Merchants Bank, Pocket Life, credit card customer service hotline (including sales line) and other self-service channels. The specific application channels and application processes shall be subject to the actual display. Installment cards are limited to RMB. 3. The credit lines of multiple credit card accounts, various installment credit lines, supplementary card credit lines and cash withdrawal lines of the cardholder are controlled by the upper limit of the total credit line set by the Credit Card Center of China Merchants Bank. When the cardholder applies for installment card, the application qualification and credit limit of installment card (also called "installment card limit") shall be subject to the comprehensive evaluation result of China Merchants Bank Credit Card Center. Individual user points of China Merchants Bank do not calculate installment credit card consumption and installment debt service fee. 4. After the cardholder successfully applies for installment card, China Merchants Bank Credit Card Center will verify the installment card amount and installment fee rate for the cardholder. China Merchants Bank Credit Card Center will re-evaluate the installment card quota and installment fee rate for cardholders about 6 months after the successful application. China Merchants Bank Credit Card Center has the right to adjust the installment card quota according to the credit status of the cardholder and the use of the account credit limit (the installment card quota can be adjusted to zero). The Credit Card Center of China Merchants Bank will inform cardholders about the adjustment of installment card quota through one or more ways, such as Pocket Life, official WeChat, mobile banking and SMS.