If CCB customers apply for bill installment/cash installment/consumption installment, please try the repayment amount in the following ways: 1. Log in to mobile banking, click "Credit Card-Card Service-Bill Installment/Cash Installment/Consumption Installment" in turn to enter the business processing interface, enter the installment amount and select the installment number, and the page will display the repayment amount of each installment. 2. Log in to personal online banking, select a credit card through the menu of "Credit Card-Card Account Transaction-Credit Card Installment-Bill Installment Application/Cash Installment Application/Consumption Installment Application", enter the installment amount, select the installment number and other information, click "Next" to confirm the installment application information interface, and the page displays the amount to be repaid in each installment. Tips: If the customer approves the trial results, he can continue to handle the installment business according to the page prompts.
(In case of business changes, please refer to the actual situation. )
How to repay the credit card application bill of China Construction Bank in installments?
If you apply for bill installment, the first installment amount and installment fee will be settled on the billing date after successful installment, and you can repay according to the bill amount at that time. And if the repayment is made in full before the final repayment date, the installment amount will also enjoy an interest-free period. However, if the repayment is not made in full before the final repayment date, the interest will be calculated at the rate of five ten thousandths every day from the date of installment. Let me give you an example. \ Suppose your bill date is 7th, the bill amount of 1/7 is 4000, and you have handled 3000 installments. Then 2/7 will be credited to the first installment, with installment amount =3000/3= 1000, installment fee of 30000.75%=22.5, and the third installment fee is 22.53=67.5. The installment amount of the first installment is 100022.5= 1022.5. If you didn't spend money this month and paid it back last month, then the bill amount for this month is 1022.5. If you repay 1022.5 before the date of127, even if you repay in full, you can enjoy the interest-free period by installments. \ And now there seems to be a discount on the installment fee of the bill. You can apply.
How does CCB credit card repay in installments?
To handle the credit card installment payment business of China Construction Bank, you can adopt the following methods:
1. Log in to CCB Personal Online Banking, click to enter the "Credit Card" page, and select "Card Account Transaction"; Then select "credit card installment"; Then select "installment consumption application"; Then click the transaction record that needs to be temporarily stored; Then follow the system prompts to apply.
2. Log in to the latest mobile banking client of China Construction Bank, click "Credit Card", select "installment repayment", and then click the "consumption installment" menu to apply.
3. Pay attention to the official WeChat account of China Construction Bank on WeChat, then enter the official WeChat account, click the "Credit Card" option, enter the "Business Handling Hall", and then click ""on the page to apply through the "Recommended for You-Consumption Staging" menu.
It should be noted that the installment payment business of CCB can only be applied when the cardholder's single consumption reaches 300 yuan (inclusive) or above or the equivalent amount, and the application must be made two days before the latest bill date (the consumption transaction record must be three working days before the latest bill date).
Credit card repayment method
In the issuing bank, this method includes: issuing bank counter, ATM, online banking, automatic transfer, telephone banking repayment, etc. The credit card limit will be restored immediately after repayment, and the money will generally be recorded after being processed by the system on the same day.
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Transfer/remittance repayment is mainly divided into two ways: inter-bank in the same city and inter-bank in different places. Whether it is transfer or remittance, the remittance bank will charge a certain fee, and the payment time and repayment convenience are not as good as those of peers, online repayment and convenience stores.
Common online platforms for online repayment in China include UnionPay Online, Kuaiqian, Shengfutong, Alipay and Tenpay. Choose different platforms and banks, and the charging standards and specific arrival time are different.
Convenience store repayment is mainly completed through the "Lacarra" smart payment terminal installed in the convenience store. Generally, it will arrive in 2~3 working days, and there is no handling fee for repayment in this way.
Counter repayment refers to the bank card issued by various networked financial institutions, and the RMB current deposit and withdrawal transactions are conducted through the counters of other bank outlets registered in the host system of UnionPay Trading Center.
Xinfutong Repayment "Xinfutong" smart credit card phone is an innovative electronic product independently developed by China UnionPay, certified by the Bank Card Testing Center and supported by the financial services provided by China UnionPay's inter-bank information exchange network.
Repayment Pass uses "Repayment Pass" for repayment, and generally charges fees according to the charging standards for inter-bank transfer in the same city and inter-bank remittance in different places stipulated by the local people's bank.
In addition to the above methods, the issuing bank has also opened its own repayment methods in order to facilitate the cardholder's repayment.
How does CCB credit card repay by cash installment?
After handling the cash installment of CCB credit card, the cardholder shall repay the arrears on schedule according to the amount listed in the statement of Longka credit card. The cardholder shall fully repay the amount payable in the current period listed in the bill before the due repayment date, and the principal repaid in installments in cash in the current period can enjoy the interest-free repayment period; If the full repayment is not specified in the bill before the due repayment date, the principal paid in cash installments in the current period will not enjoy the interest-free repayment period, and the interest will be collected according to the China Construction Bank Longka Credit Card Collection Agreement from the current billing date. The installment fee and installment principal amount listed in the cardholder's bill are included in the minimum repayment amount of the current period. If the cardholder fails to repay the minimum repayment amount according to the bill, he must also pay the repayment penalty according to the credit card collection agreement.
(In case of business changes, please refer to the actual situation. )
So much for the introduction of how to repay credit cards in installments.