1. Use the Bank of Communications credit card to spend RMB 1500 yuan or USD 100 or more in a single transaction;
2. Call the Bank of Communications credit card at 400-800-9888 to inform the customer service staff of the transaction information between 2 days after the credit card transaction and 3 days before the due repayment date;
3. After a simple review, the customer service specialist can inform you that the application is successful. Bank of Communications credit card installment payment is interest-free and does not charge interest, but it will charge installment fees.
Extended data
1. The installment amount occupies the credit line.
For example, the bill of 2000 is divided into 12 months, assuming 200 per month, your credit line will be reduced in the first month because it is occupied 1800. After each repayment, part of the credit line will be restored.
There is a handling fee for installment payment.
Installment payment requires a certain fee. The more installments, the lower the installment interest rate, and the installment fee is different from bank to bank. Regardless of whether there is a bill or not, the installment fee is calculated according to the installment interest rate. The bank encourages cardholders to pay by installments. If there is no economic pressure, it is best to repay in full.
3. Some consumption can't be divided into stages.
For example, the part that used the temporary quota, such as the part that should be paid back in the previous period (the installment applied for last month, 200 yuan will be paid back this month, and this 200 yuan cannot be divided any more).
Can Bank of Communications credit cards be repaid in installments?
Of course. Bank of Communications credit card installment repayment can be repaid in installments, but different credit card accounts have different installment repayment methods, as follows: 1. Installment repayment: Cardholders can apply through Bank of Communications online banking, Bank of Communications mobile banking, Bank of Communications outlets counter, Bank of Communications WeChat official account, etc. 2. Repayment by installments: Cardholders can bring their valid identity documents and credit cards to the counter of the nearby Bank of Communications outlets.
How to handle the installment payment by credit card of Bank of Communications?
Bank of Communications, like all banks, also provides installment payment services for credit card holders, but there are many ways of installment payment business in this bank, and different ways of handling them are also different. Let's introduce the related matters of credit card installment service of Bank of Communications.
Introduction of credit card installment payment in Bank of Communications
There are three main payment methods provided by Bank of Communications: installment, installment and mail order installment. Different ways of installment payment are different, as follows:
1. Divide if you want: To handle the installment business, the cardholder needs to apply by logging in to the online banking of SMS Password User Edition or Certificate User Edition or calling the 24-hour customer service hotline of the credit card center within 2 days after the transaction date and 3 days after the due repayment. Stages can be freely divided into 3, 6, 9, 12, 18 and 24 months.
2. installment treasure: if you want to handle this business, it doesn't matter even if you don't have a credit card. As long as you rely on personal credit and provide relevant materials on the spot, you can complete the installment application on the spot and take your favorite goods home. For large installment, you can also enjoy a long repayment period discount of four months ~
3. Mail-order installment: You can complete the installment payment transaction with merchants thousands of miles away without on-site credit card swiping. There is no interest and no handling fee, and the goods can be delivered directly to your door.
Second, the Bank of Communications credit card installment notice
1. Not all transactions can be paid in installments. According to the installment clause of "Divide with You" bill, the following transactions cannot be handled by installments:
1 Cash advance transaction, installment transaction, real estate transaction and various fees (such as annual fee, interest, late payment fee and other credit card fees);
2. Other projects designated by Bank of Communications.
2. The installment amount is limited, and the installment amount shall not be higher than the credit line. Neither depositing into a credit card nor temporarily increasing the credit limit can increase the maximum amount of installment transactions.
What is the credit card installment payment of Bank of Communications?
First of all, Bank of Communications credit card installment payment:
1, you don't need to hold a bank of communications credit card for more than 3 months for installment payment!
2. Installment payment is not allowed: general real estate transactions, hospital transactions, utility fees, government consumption, transfer transactions and cash withdrawal transactions are not allowed.
3. Bank of Communications Y-POWER Credit Card (Youth Card), with the first installment amount of RMB 500 yuan or USD 60. Quasi-credit cards and quasi-business cards do not participate in the "divide with you" bill installment plan. The initial installment amount of other credit cards of Bank of Communications is RMB 65,438+0, 500 yuan or USD 65,438+000.
Bank of Communications credit card installment payment has the following three ways:
1. Within 2 days after the transaction date and 3 days after the due repayment, the Bank of Communications credit card can log in to the online banking of SMS password users or certificate users or call the 24-hour customer service hotline of the credit card center, which can be divided into 3 installments, 6 installments, 9 installments, 12 installment, 18 installment and 24 installments.
2. Bank of Communications credit card installment treasure: you don't need to apply for a credit card in advance. You only need to provide relevant materials on the spot with personal credit to complete the installment application on the spot, and the goods will be moved home on the spot. You can also enjoy a long repayment period discount with a large installment delay of four months.
3. Bank of Communications credit card mail order installment: You don't need to swipe your card on site, you can complete the installment payment transaction with merchants thousands of miles away by just making a phone call, sending a fax or submitting instructions online, free of interest and handling fees, and the goods are delivered directly to your door.
Bank of Communications credit card installment interest is as follows:
Transaction amount (RMB) Monthly interest rate (%)
1500 (inclusive)-12500 (inclusive)-down payment amount = total installment amount ÷ number of installments (the remainder is recorded in down payment amount) × handling fee rate of each installment.
Remaining payable amount in each installment = total installment amount ÷ number of installments × interest rate in each installment.
Reminder: Cardholders can call the 24-hour customer service hotline at 800-988-8888, 400-889-3888 or 02 1-53529888 two days after the consumer transaction date and three days before the due repayment date, which is easy to handle.
How to calculate the installment fee of bank of communications credit card?
Calculation formula of credit card installment fee:
Handling fee = installment interest rate of installment principal.
For example, the credit card is divided into 12 installments of 3,000 yuan, the handling fee rate is 0.72%, and the handling fee for each installment is 3,000/120.72% 3,000/12.
Credit card bill installment application requirements:
1. Time to apply for installment bills
From the trading day to the repayment date, you can freely choose the installment transaction under RMB or USD account.
For unbilled transactions: you can apply for installment payment between the transaction date of 19:30 and the billing date of the bill corresponding to the transaction.
For bills that have been issued, you can apply for installment from the day after the billing date to the due repayment date (for customers with automatic repayment in the account, the deadline for application is due repayment date 17:00).
2. Conditions for applying for installment bills
The applicant must hold a personal card with a bank credit card, have a good record of using the card and have no delay in repayment in the current period. Customers who only hold business cards, business cards, purchasing cards, ANA protection cards or supplementary cards cannot apply for bill installment for the time being.
3. Bill installment application amount
For the installment payment of RMB bills, the minimum application amount shall not be less than 300 yuan RMB each time; For the installment payment of USD bills, the minimum application amount shall not be less than USD 65,438+000 each time. After the installment of RMB or USD bill is successful, the principal and handling fee of each installment will be credited to RMB account, that is, the installment amount of USD bill will be converted into RMB at the exchange rate specified at the time of application.
The amount, interest and method of installment repayment by credit card of Bank of Communications.
Bank of Communications credit card installment repayment amount
Anyone with a single consumption of 1 yuan, 500 yuan RMB or 100 US dollars (the first installment amount of Bank of Communications Y-POWER credit card is 500 yuan RMB or 60 US dollars) can log in to the online banking of SMS Password User Edition or ID User Edition or call the 24-hour customer service hotline of the credit card center two days later to divide the consumption into 3, 6, 9 and 12.
(1) If you deposit a certain amount in the Pacific dual-currency credit card or temporarily increase the credit limit, you cannot increase the maximum amount for applying for installment payment.
(2) If you apply to end the installment payment in advance, you need to return all the remaining principal and handling fee in one lump sum on the next repayment date; If you apply for ending the installment payment in advance due to the return of goods, you need to return all the remaining principal in one lump sum on the next repayment date, and the fees paid in each installment will not be refunded, and you must provide the receipt of the return purchase order as proof and be approved by the customer service center of Bank of Communications Credit Card Center.
Bank of Communications credit card installment interest
The monthly rate of the transaction amount is 1500 (inclusive) -6500.
The monthly rate is 6500 (inclusive)-12500.
Monthly rate with transaction amount above 12500 (inclusive).
How to handle the installment repayment of bank of communications credit card?
1, online banking processing method
Log in to Bank of Communications Credit Card Online Banking and select the credit card financing page; , enter "bill installment-issued account", click the installment currency and enter the installment amount; The system will immediately review and automatically notify the application result.
2. Telephone processing method
Call the customer service hotline 400-800-9888, and after completing the identity verification, transfer the bill by installment;
There are two methods, choose one. Self-help: enter the installment amount and number through voice prompt, and the system will review it immediately, and the customer service specialist will inform the result; Manual: notify the customer service specialist of the installment amount and the number of installments, and the system will review them immediately, and the customer service specialist will inform the result.
This is the end of the most cost-effective introduction on how to repay the transportation credit card in installments and how to repay the transportation credit card in installments. I wonder if you have found the information you need?