Installment pass is a credit card cash installment product of CCB, which belongs to the nature of credit card, but is essentially a loan product. It is the installment credit line given to customers after bank review. It can be used in department stores, building materials and homes, high-star hotels, high-end restaurants and other consumer businesses. Suitable for large-scale durable consumer goods consumption, wedding, parenting, settlement (rental, real estate, heating, etc. ), pay taxes (car purchase tax, etc. ), health, etc. , but it cannot be used for withdrawal and transfer. Repay on time after use, otherwise the overdue will affect the credit.

1. CCB's special installment card can be regarded as a credit card issued synchronously with installment, but it is essentially different from ordinary credit cards. The installment line can only be used in the designated merchants of CCB for credit card consumption according to the agreed purpose during the handling process.

2. After the installment amount is approved, the validity period is only 60 days. If the installment card is not used for consumption within 60 days, the credit limit will be restored and the installment card limit will become 0.

3. The installment card can be used as a portable credit card for installment of CCB. Although it is a credit card, there is no fixed limit, only the applicable installment limit.

Under normal circumstances, the bank will issue special cards only after the installment pass is approved. This card is a UnionPay RMB card. The bank will send it by express. After the card is issued, a short message will be sent to the applicant's mobile phone number. You can receive the card letter about 5 working days after receiving the SMS reminder. After activation, you can use the installment line for consumption. In fact, staging is the credit card staging business launched by CCB! Just different from ordinary credit cards, the handling fee is lower! 4% per month, this is the handling fee! Repay the principal and interest every month. Just like a credit card, it is not the so-called equal principal and interest repayment! For example! The loan is 100000, 3 years and 36 months, (10000)_ 65438+ million _ 4% _ _36) _ 36 is approximately equal to 3 178.

CCB credit card installment application method is as follows:

1. Submit the application and identification to the nearby outlets.

2. After the examination and approval, issue the quota to the special debit card for installment payment opened by the applicant in CCB.

You can use this debit card to swipe your card in the designated type of merchants.

4. Return the principal and handling fee on a monthly basis. The monthly handling fee is 0.5% of the total installment.