How to repay in installments with CCB credit card
If you want to handle CCB credit card installment business, you can adopt the following methods:
1. Log in to CCB personal online banking , click to enter the "Credit Card" page, select "Card Account Transactions"; then select "Credit Card Installment"; then select "Consumption Installment Application"; then click on the transaction record that requires installment; and then follow the system prompts to apply.
2. Log in to the latest version of China Construction Bank’s mobile banking client, click “Credit Card”, select “Instalment Repayment”, and then click the “Consumption Installment” menu to apply.
3. Follow the "China Construction Bank" official account on WeChat, then enter the official account, click the "Credit Card" option, enter the "Business Processing Hall", then click "" on the page, and click "For You can apply through the "Consumption Installment" menu if you recommend it.
Everyone needs to note that the Construction Bank installment payment service requires cardholders to apply for a single purchase of more than 300 yuan (inclusive) or the equivalent in foreign currency, and the application must be made 2 days before the latest bill date. (Foreign currency consumption must be within the period from the time the consumption transaction is recorded to 3 working days before the date of the latest statement).
Credit card repayment methods
The methods within the card issuing bank include: card issuing bank counter, ATM, online banking, automatic transfer, telephone banking repayment, etc. After repayment, the credit card limit will be restored immediately, and the payment will generally be credited to the account after the system processes it on the same day.
Weiyintong POS mobile phone and Weiyintong POS mobile phone are a mobile financial system personal payment terminals that can be used to directly repay by swiping cards, as well as perform transfers and other services. Instant payment!
Transfer/remittance repayment is mainly divided into two methods: inter-bank inter-bank in the same city and inter-bank inter-bank in different places. Regardless of the method of transfer or remittance, the remittance bank will charge a certain fee. At the same time, the time it takes for the money to arrive and the convenience of repayment are not as good as intra-peer repayment, online repayment, convenience store repayment and other methods.
The more common domestic online platforms for online repayment include: UnionPay Online, Kuaiqian, Shengfutong, Alipay, Tenpay, etc. Depending on the platform and bank you choose, the charging standards and specific payment arrival time will be different.
This method of convenience store repayment is mainly completed through the "Lakala" smart payment terminal installed in the convenience store. Generally, the payment time takes 2 to 3 working days. At the same time, using this There is no handling fee for repayment.
Counter repayment counter refers to bank cards issued by various networked financial institutions, which can be used to conduct RMB current deposit and withdrawal transactions through the counters of other bank branches registered in the UnionPay exchange center host system.
The "Xinpaytong" smart credit card phone for repayment is an innovative electronic product independently developed by China UnionPay, certified by the Bank Card Testing Center, and supported by financial services provided by China UnionPay's inter-bank information exchange network.
Use "Repayment Tong" to make repayments, and the fees are generally charged according to the fee standards for intra-city inter-bank transfers and long-distance inter-bank remittances stipulated by the local People's Bank of China.
Other methods In addition to the methods mentioned above, card issuers have also opened their own unique repayment methods in order to facilitate cardholders' repayment.
How to repay the bill in installments when applying for a China Construction Bank credit card?
If you apply for bill installment, the first installment amount and installment handling fee will be settled on the billing date after the installment is successful. You can then repay according to the bill amount. And if you repay the bill amount in full before the final payment date, the installment amount will also enjoy an interest-free period. However, if you do not repay the loan in full before the final payment date, interest will be calculated at 0.5% per day from the time your installment is entered into your account. \Let me give you an example. \Suppose your bill date is the 7th, the bill amount is 4,000 on 1/7, and you have applied for three installments of 3,000 bills. Then the first installment amount will be recorded on 2/7, the installment amount = 3000/3 = 1000, the installment handling fee is 30000.75% = 22.5, and the total handling fee for the 3 installments is 22.53 = 67.5. The first installment amount is 100022.5=1022.5. If you don’t have any consumption this month and paid off everything last month, then the bill amount this month will be 1022.5. If you repay 1022.5 before 1/27, even if you repay it in full, you will enjoy the interest-free period for installments.
\And now there seems to be a discount on handling fees for bill installments. You can apply for it.
How to repay the CCB credit card cash installment?
After applying for the CCB credit card cash installment, the cardholder shall repay the outstanding balance within the agreed period according to the amount listed on the Long Card credit card statement. When the cardholder repays the current repayment amount listed on the bill in full before the due repayment date, the current cash installment principal repayment can enjoy the interest-free repayment period treatment; if the current repayment amount is not listed on the bill before the due repayment date, For full repayment, the current cash installment principal repayment does not enjoy the interest-free repayment period, and interest must be calculated in accordance with the "China Construction Bank Long Card Credit Card Acceptance Agreement" from the current bill date. The installment fee and installment principal amount listed in the cardholder's bill for each installment are included in the minimum repayment amount for the current period. If the cardholder fails to repay the minimum repayment amount as listed on the bill, he must also pay according to the credit card agreement. Repayment penalty.
(In case of business changes, please refer to the actual situation.)
How to carry out installment repayment of China Construction Bank Credit Card? These application methods need to be known
China Construction Bank Credit Card How to repay in installments
How to repay in installments with China Construction Bank Credit Card? Some friends have applied for bill installments, but don’t know how to repay them. They are afraid that if they are not careful, their credit report will be affected. Friends who have related worries, don’t worry. Xiaocai is here to answer your questions.
The application method for CCB credit card installment repayment is as follows:
1. WeChat application
A. Follow the "CCB Electronic Banking" public account;
< p>B. Bind a credit card, click "Credit Card" - "Bill Installment" - "Click here to apply for installment".2. SMS application
Use the mobile phone number reserved by China Construction Bank, edit the text message "CCZZ#last 4 digits#amount#number of installments" and send it to 95533, and you can apply for installment repayment. payment.
3. Mobile banking application
Enter "CCB Mobile Banking", click "Credit Card" - "Bill Installment Application", and follow the reminder to enter.
4. Online application
Log in to the official website of China Construction Bank and personal online banking. Please click Apply for Bill Installment, and select "Credit Card Inquiry - Preference - Query Issued Bills - Apply for Bill Installment".
After entering the credit card channel, the registered customer clicks to apply for bill installment, and the preferred option is "- Bill issued - RMB - Apply for bill installment".
For example, if you are applying for bill installments now, the total installment amount will be 6,600 yuan. Then this month, you only need to pay back the remaining uninstalled money, which is 1,400 yuan (9000-1000-6600 ), and the installment part is calculated based on 6 installments, the principal of each installment = 6600/6 = 1100 yuan, and the handling fee of each installment = 66000.63% = 41.58 (his bill installment base rate, 6 installments is 0.7% each month, if applied before December 31, a 10% discount is available), the total *** handling fee for 6 periods = 41.586 = 249.48 yuan. Each installment repayment = 110041.58 = 1141.58 yuan. This amount will be settled on the next installment's bill, and there is no need to pay this installment.
How to apply for installment with CCB credit card
1. Apply with WeChat official account: Follow the official official account of "China Construction Bank", bind your personal credit card, and select "Credit Card - Bill Installment - Application" Installment" is enough. (Honor 50MagicUI4.2; WeChat 8.0.16)
2. Mobile banking application: Directly open the China Construction Bank Mobile Banking APP, enter the credit card page, find the credit card bill, and click "Bill Installment Application".
(Honor 50MagicUI4.2; China Construction Bank 5.6.1)
3. Online banking: Log in to your personal online banking account, select "Credit Card Inquiry - Inquiry of Bills Issued - Apply Bill Installment”.
Common installment repayment methods:
1. Equal principal and interest
It means that within the repayment cycle, the total amount of repayment is the same every month, and the monthly repayment amount is the same. The payment includes principal and current interest, and current interest is calculated based on the remaining principal at the beginning of the period. During the repayment cycle, the principal is repaid every month, so the proportion of interest in the total monthly repayment amount is getting smaller and smaller, and the proportion of principal is getting larger and larger.
Advantages
(1) The monthly repayment amount is the same, and there is no need to check the monthly limit
(2) Suitable for long-term loans (more than 10 years or longer)
Disadvantages
It is relatively uneconomical to pay too much interest in the early stage and settle it early
2. Equal principal amount
The lender spreads the principal into each month and pays off the interest between the last transaction day and the current repayment date. Compared with equal principal and interest, this repayment method has a lower total interest expense, but more principal and interest are paid in the early stage, and the repayment burden decreases month by month. The main reason is that there are more choices when buying a house.
Advantages
The total interest expense is less
The repayment pressure will be less in the later period
Disadvantages
The early repayment pressure is relatively high
3. Interest first, principal later
Refers to monthly interest payment and repayment of principal when due. That is to say, during the repayment cycle, only the interest is required to be repaid every month, and the entire principal is repaid in one lump sum after the loan matures.
Advantages
No principal is repaid every month, only interest is paid, which means less repayment pressure and high fund utilization rate.
Disadvantages
After maturity, the repayment pressure is high because the entire principal must be repaid at once. Once the application is not timely, it may be overdue and affect your credit report.
4. Borrow and repay at any time
It means that within the credit limit, you can borrow money at any time, there is no fixed repayment plan, and you can repay the loan at any time. After the loan is repaid, the limit will be restored. This repayment method usually calculates interest on a daily basis, and there is no handling fee for early repayment; and the credit line can be used repeatedly and repeatedly with no limit on the number of times.
Can the CCB credit card be repaid in installments?
The CCB credit card can be repaid in installments.
Currently, CCB has six types of installment businesses: car purchase installment, decoration installment, merchant installment, consumption installment, bill installment and cash installment. Car purchase installment and decoration installment refer to buying a car and renovating a house in installments, and merchant installment refers to the installment business. Conduct installment transactions with merchants that cooperate with CCB. Cash installment means withdrawing cash from a credit card and then repaying it in installments. Consumption installment means applying to the bank for installment repayment of consumption before the bill date, while bill installment means applying to the bank for installment repayment after the bill is issued.
The methods for CCB to apply for credit card installment are as follows:
1. CCB credit card SMS application for installment. Use the mobile phone number reserved with China Construction Bank, edit the text message "CCZZ#last 4 digits#amount#issue" and send it to the official phone number of China Construction Bank to apply for installment repayment.
Operating environment:
Brand model: Xiaomi 12Pro
System version: Android11MIUI13
app version: v5.6.7.001
p>2. CCB credit card mobile banking installment. Enter "CCB Mobile Banking", click "Credit Card" - "Bill Installment Application" and fill in the information as prompted.
Operating environment:
Brand model: Xiaomi 12Pro
System version: Android11MIUI13
app version: v13.2.0.10
p>3. CCB credit card online installment. After logging into the official website of CCB using Baidu browser, personal online banking users select "Credit Card Inquiry" - "Select" - "Query Issued Bills" - "Apply for Bill Installment".
4. CCB credit card telephone installment. To apply by phone, call the CCB credit card customer service number, enter the information and follow the prompts.
China Construction Bank credit card can be divided into up to 24 installments. Construction Bank credit card installments include: bill installments, cash installments, car purchase installments, and consumption installments. The installment handling fees for these four installments are different. The installment handling fees As follows:
1. Construction Bank credit card cash installment rates: 0.81% for 3rd period, 0.75% for 6th period, 0.75% for 12th period, 0.75% for 18th period, and 0.75% for 24th period.
2. Construction Bank credit card bill installment rates: 0.75% for 3rd period, 0.70% for 6th period, 0.65% for 10th period, 0.60% for 12th period, 0.60% for 18th period, and 0.62% for 24th period.
3. The installment rate for car purchases with China Construction Bank credit card will be determined based on the car dealer and model you choose.
4. Construction Bank credit card consumption installment rate: 0.70% for 3rd period, 0.60% for 6th period, 0.6% for 10th period, 0.60% for 12th period, 0.60% for 18th period, and 0.60% for 24th period.
That’s it for the introduction of how to repay in installments with CCB credit card.