For completed transactions, apply for installment payment before the bookkeeping date, and the minimum application amount shall not be less than 500 yuan RMB; Apply for installment after the bill, and the maximum amount shall not exceed 95% of the total amount of new RMB credit card consumption in the current bill. Cash advance transactions, installment transactions and other transactions designated by the bank cannot apply for installment.

Bill installment charging standard

Our bank provides cardholders with personalized choices such as 3 installments, 6 installments, 10 installment, 12 installment, 18 installment and 24 installment, and the corresponding handling fees for each installment are 0.9%, 0.75%, 0.7%, 0.66%, 0.68% and 0.68% respectively. At present, only three, six, 10 and 12 installments are provided for the installment application of the unbilled transaction.

Handling fee per period = total amount per period × handling fee rate per period, and the minimum handling fee per period is RMB 5 yuan. The total installment principal is amortized monthly, and the balance is included in the last installment. At the same time, the installment amount and the handling fee of each period are recorded.

If you have any other questions, please open www.cmbchina.com, the homepage of China Merchants Bank, and click "Online Customer Service" in the upper right corner to enter the consultation.