CITIC Bank Credit Card Installment Details

CITIC Bank Credit Card Installment There are two different types, credit card single installment and credit card bill installment. Both methods also have their own regulations. To learn more about the installment details, please see:

1.

CITIC Bank Credit Card Single Installment Terms and Conditions

2.

CITIC Bank Credit Card Bill Installment Terms and Conditions

1. CITIC Bank Credit Card Single Installment Terms and Conditions

The interest-free installment payment business for single consumption provides cardholders with the opportunity to repay outstanding balances. Interest-free installment services are provided for single purchases that are billed. After paying a certain handling fee, the cardholder can repay the amount of a single consumption that has not been billed in the current period in equal installments according to the number of periods applied by the cardholder, and does not need to pay the dues due to incomplete repayment. interest.

1. CITIC Bank personal credit card principal cardholders (excluding business cards) and independent supplementary cardholders, hereinafter collectively referred to as cardholders, can apply for interest-free installment payment on the next day of a single purchase. plan (applications from foreign cardholders are not currently accepted), please see the "Single Installment Rate Table" for relevant fees.

2. The following transaction amounts cannot be applied for installment payment:

The transaction amount that has been applied for installment (including but not limited to shopping mall installment, mail order installment, single consumption installment, bill installment, cash installment, car purchase installment, etc.);

Disputed transactions, cash withdrawal transaction amounts and various interest charges (including but not limited to handling fees, interest, late fees and other credit card charges, etc.);

Account transaction amount;

Transaction amount separately designated by CITIC Bank.

3. Cardholders must apply for an interest-free installment plan for a single purchase within the time interval between two days after the card transaction (after the transaction is recorded) and three working days of the current bill.

4. After the cardholder successfully applies for the interest-free installment plan for a single consumption, he cannot change the amount and number of installments, and he cannot apply for interest-free installment payment again for the outstanding installment balance.

5. The cardholder cannot choose the minimum repayment method for repayment of a single installment amount that has been successfully processed.

6. After the cardholder has successfully applied for the interest-free installment plan for a single purchase, if a refund occurs due to returns, exchanges, etc., the cardholder must call the CITIC Credit Card customer service hotline to apply for cancellation of the installment plan. Payment plan and provide the corresponding valid return or exchange purchase voucher. After approval by the China CITIC Bank Credit Card Center, the cardholder must pay the outstanding installment balance in one go. In any case, the handling fee that has been collected/accounted (including one-time The handling fee collected in full and the handling fee collected in installments will not be refunded, and the remaining uncollected handling fees will not be charged.

7. The cardholder applies to pay off the outstanding installment balance in advance. After approval by the China CITIC Bank Credit Card Center, the cardholder must pay the outstanding installment balance in one go. In any case, the outstanding installment balance has been collected/accounted for. The handling fee (including the one-time full handling fee and the handling fee collected in installments) will not be refunded, and the remaining uncollected handling fees will not be charged.

8. The cardholder’s credit card has expired and the card has been renewed. The interest-free installment plan for single consumption will not be terminated due to this.

9. CITIC Bank Credit Card Center may determine that the cardholder’s account is no longer suitable for a single consumption interest-free installment plan when it deems it appropriate. The cardholder’s outstanding installment balance and outstanding The reimbursed installment fees are all due and payable. This situation includes but is not limited to:

The credit card is canceled, frozen, terminated, expired or not used by the cardholder or the CITIC Bank Credit Card Center for any reason. Renewal (or the relevant notice has been issued);

The cardholder fails to pay any outstanding amount or any other outstanding balance in the credit card account on time;

The cardholder violates The "CITIC Bank Credit Card (Personal Card) Application Agreement" or any provisions of these Terms and Conditions;

The cardholder has gone bankrupt or died;

Other CITIC Bank Credit Cards The Center believes that any event that may cause the cardholder to be unable or not to perform its responsibilities under these terms and conditions or the collection contract has occurred or may occur.

10. If CITIC Bank Credit Card Center exercises its rights under Article 9 of these Terms and Conditions, all outstanding installment balances will become immediately due and must be paid immediately.

Cardholders should immediately pay all outstanding balances on their credit card accounts to the CITIC Bank Credit Card Center. Including the outstanding installment balance and other fees, the handling fees that have been collected/accounted for under any circumstances (including the one-time full collection fee and the handling fee collected in installments) will not be refunded, and the remaining uncollected handling fees will not be refunded. Charge.

11. When the cardholder logs into our credit card online banking or applies for the bill installment service through our credit card customer service hotline (including sales hotline) or sends a text message, it will be deemed that the cardholder has accepted all the terms of the business. terms.

12. The cardholder declares that he has read and understood these terms and conditions, and agrees to be bound by them. These terms and conditions are additional terms of the "CITIC Bank Credit Card (Personal Card) Use Agreement".

13. CITIC Bank Credit Card Center reserves the right to modify these terms and conditions at any time or as it deems appropriate, and will notify cardholders of such modifications through any means deemed appropriate by CITIC Bank Credit Card Center. people. In the event of any dispute regarding these terms and conditions due to interpretation or other reasons, the interpretation of the CITIC Bank Credit Card Center shall be binding and shall become the final decision.

2. CITIC Bank Credit Card Bill Installment Terms and Conditions

The interest-free installment business provides cardholders with interest-free installment services for repaying the current bill amount. After paying a certain handling fee, up to 90% of the current bill amount can be divided into installments according to the number of installments applied by the cardholder and repaid in equal amounts starting from the next bill cycle, and there is no need to pay any fees due to incomplete repayment. Interest payable.

1. CITIC Bank personal credit card principal cardholders (excluding business cards) and independent supplementary cardholders, hereinafter collectively referred to as cardholders, can apply for an interest-free installment plan on the day after the current bill is issued ( Applications from foreign cardholders are not accepted for the time being). Please refer to the "Bill Installment Rate Table" for relevant fees.

2. The following transaction amounts cannot be applied for installment payment:

(1). The transaction amount that has been applied for installment (including but not limited to shopping mall installment, mail order installment, single installment, bill Installment, cash installment, car purchase installment, etc.;

(2), disputed transactions, cash withdrawal transaction amount and various interest charges (including but not limited to handling fees, interest, late fees and other credit card charges, etc.);< /p>

(3), account transaction amount;

(4), unrecorded transaction amount;

(5), transaction amount separately designated by CITIC Bank.

3. Cardholders must apply for an interest-free installment plan within three working days from the current bill date to the due date of payment.

4. After the cardholder successfully applies for the interest-free installment plan, he cannot change the number and amount of installments he has applied for, and he cannot apply for interest-free installment payment again for the outstanding installment balance.

5. The cardholder cannot choose the minimum payment method for repayment of the bill installment amount that has been successfully processed.

6. The cardholder applies to pay off the outstanding installment balance in advance, and after approval by the CITIC Bank Credit Card Center, the cardholder can apply for repayment. The cardholder must pay the outstanding installment balance in one go. In any case, the handling fee that has been collected/accounted (including the one-time full handling fee and the handling fee collected in installments) will not be refunded. The remaining unpaid handling fees will not be refunded. No fees will be charged.

7. The cardholder’s credit card has expired and the card has been renewed, and the bill interest-free installment plan will not be terminated due to this.

8. CITIC Bank Credit Card. The Center may determine that the cardholder's account is no longer suitable for the interest-free installment plan when it considers it appropriate, and the cardholder's outstanding installment balance and outstanding installment fees will all become due and payable. In this case Including but not limited to:

(1) The credit card has been canceled, frozen or terminated by the cardholder or the CITIC Bank Credit Card Center for any reason, or has expired or not been renewed (or the relevant notice has been issued);

(2). The cardholder has violated the "CITIC Bank Credit Card (Personal Card) Use Agreement" or any provisions of these terms and conditions;

(3). The cardholder has gone bankrupt or died;

(4) Other CITIC Bank Credit Card Center believes that any event that may cause the cardholder to be unable or unable to perform its responsibilities under these terms and conditions or the use contract has occurred. may happen.

9. If CITIC Bank Credit Card Center exercises its rights under Article 8 of these Terms and Conditions, all outstanding installment balances will become due immediately and must be paid immediately.

Cardholders should immediately pay to the China CITIC Bank Credit Card Center all outstanding balances on their credit card accounts, including outstanding installment balances and other charges, as well as handling fees that have been collected/accounted for under any circumstances (including handling fees collected in full at one time and The handling fee collected in installments) will not be refunded, and the remaining uncollected handling fees will not be charged.

10. When a cardholder logs into our credit card online banking or applies for bill installment business through our credit card customer service hotline (including sales hotline) or sends a text message, it will be deemed that the cardholder accepts all the terms of this business. terms.

11. The cardholder declares that he has read and understood these terms and conditions, and agrees to be bound by them. These terms and conditions are additional terms of the "CITIC Bank Credit Card (Personal Card) Use Agreement".

12. CITIC Bank Credit Card Center reserves the right to modify these terms and conditions at any time or as it deems appropriate, and will notify cardholders of such modifications through any means deemed appropriate by CITIC Bank Credit Card Center. people. In the event of any dispute regarding these terms and conditions due to interpretation or other reasons, the interpretation of the CITIC Bank Credit Card Center shall be binding and shall become the final decision.

Can CITIC Bank credit card be repaid in installments?

Yes.

CITIC Credit Card can be repaid in installments. You can apply directly to a nearby CITIC Bank branch with your ID card and bank card.

Four types of installment payment methods with CITIC Bank credit cards:

1. Shopping mall installments of CITIC Bank credit card installments

Shopping mall installments are CITIC Bank credit card consumer credit services One is that when CITIC Bank credit card holders make purchases, they can choose to divide the total price of the purchased goods or services into several equal installments (months) and pay in installments. Repay the amount on time according to the credit card bill in each period (month). When the cardholder chooses to go to an installment merchant store specially appointed by CITIC Bank and complete the installment payment through a designated POS machine, it is called "mall installment payment" or "mall installment" for short.

2. CITIC Bank Credit Card Installment Mall Installment

CITIC Bank Credit Card Mall Installment Business means that cardholders use their credit cards to purchase designated goods at contracted merchants through CITIC Bank Credit Card Mall. After approval by China CITIC Bank, the merchant will be notified to deliver goods to the cardholder, and the amount of the purchased goods will be divided into several installments, and the cardholder will repay the payment monthly within the agreed period.

3. CITIC Bank Credit Card Installment Bill Installment

CITIC Bank Credit Card Bill Interest-free Installment Business provides customers with interest-free installment services for repaying the current bill amount. After paying a certain handling fee, 90% of the current bill amount can be divided into installments according to the number of installments requested by the customer and repaid in equal amounts starting from the next billing cycle, without the need to pay interest due to incomplete repayment. .

4. CITIC Bank Credit Card Free Installment Payment

CITIC Bank Credit Card Free Installment Business provides customers with interest-free installment services for repaying single purchases that have not yet been billed. After paying a certain handling fee, the customer can repay a single consumption amount that has not been billed in the current period in equal installments according to the number of installments applied by the customer, and does not need to pay interest due to incomplete repayment.

CHINACITICBANK, formerly known as CITIC Industrial Bank, was founded in 1987 and changed to its current name at the end of 2005. CITIC Bank is one of China's national commercial banks, headquartered in Beijing.

The major shareholder is CITIC Corporation of China. Spanish Bank of Spain (Banco Bilbao Vizcaya Argentaria, S.ABBVA) spent 501 million euros (approximately HK$5.02 billion) to purchase 5% of China CITIC Bank’s equity, and also has the option to increase its shareholding in China CITIC Bank to 10.07%. On April 27, 2007, CITIC Bank was listed on the Shanghai Stock Exchange. CITIC Bank is the seventh largest bank in mainland China, with total assets of more than HK$1.2 trillion, more than 16,000 employees and more than 540 branches. It is one of the six lines and three guarantees for Chinese financial stocks in Hong Kong.

How to apply for installment payment of CITIC Bank credit card bill?

1. CITIC Bank Credit Card Bill Installment Payment Rules

Application time: Submit an application within three working days from the current bill date to the due date of repayment;

Application amount: no more than 90% of the unpaid portion of the consumer transaction amount that has been issued in RMB, with a minimum of RMB 800;

Number of installments and handling rate:

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2. Application method for CITIC Bank credit card bill installment payment:

1. Call the 24-hour customer service hotline: 40088-95558, press 1-Press 6-Press 2 to transfer bill installments and single installments The business will be handled by professionals;

2. Log in to China CITIC Bank Credit Card Online Banking to apply;

3. Log in to the main page of Xindong Space and apply according to the prompts;

4. Go to CITIC Online Banking through mobile WAP.

How to apply for installment with CITIC Credit Card

1. Call the customer service number of CITIC Bank Credit Card Center, and after being transferred to the manual customer service, select the number of installments or the amount according to the staff prompts, and then you can handle it;

2. Go to the official website of China CITIC Bank Credit Card with your browser, and then click "My Account" → My Bill Inquiry → Current Bill Inquiry → Select the card, click Apply for Bill Installment, and then set the installments you want to make. For the number of installments, just submit the application;

3. Follow the CITIC Bank Credit Card WeChat official account on WeChat. After entering the official account, click "Service Hall", and then select the installment type in the loan installment column, such as bill installment, appointment Installments, etc., then fill in the relevant information according to the jump page, and submit the application after completing the follow-up process;

4. The card host goes to the bank counter with his or her valid ID and card to apply.

Credit card bill installment payment is one type of credit card installment payment. This type of installment payment means that the credit card holder requests the credit card center to return the consumption amount to the bank in installments after using the credit card to swipe the card.

Credit card bill installment payment is the simplest method of installment payment. You only need to call the bank's credit card center or log in to personal online banking to apply between the time the card payment is credited and the due date of repayment. You can pay in installments, and generally you can get approval as long as you have no bad personal credit history.

The minimum repayment amount is the minimum amount that needs to be repaid in the current month when using revolving credit. The minimum repayment amount is listed on the current bill. The minimum repayment amount for each period is calculated as follows: Minimum repayment amount = 10% of all general transactions in the credit card account 100% of the single-period amount of all outstanding installment transactions in the account 100% of the unpaid portion of the previous period's minimum repayment amount 100% All funds used in excess of the account credit limit are subject to 100% fee and 100% interest.

Bill installments can generally be applied for by calling the customer service center or telephone banking of the card-issuing bank. ICBC cardholders can apply for installment payment at any ICBC branch, ICBC online banking, telephone banking and mobile banking. China Merchants Bank can apply for installment payment at Apply for the bank's online banking. Relevant personnel from China Construction Bank reminded cardholders that although various banks have launched bill installment payments, it does not mean that every cardholder can pay in installments through credit cards.

Banks generally evaluate the credit status of cardholders based on their credit limit, credit history of cardholder purchases, etc. Only when the assessment is passed can the cardholder successfully make installment payments; if the assessment result is not satisfactory, the bank may reject the cardholder's installment application, or may not be able to grant the cardholder the installment payment amount he wants. Cardholders can apply for installment by phone after fully considering their own financial situation.

The minimum consumption amount applied for installment by various banks is basically between 500 and 1,500 yuan, including 600 yuan for ICBC, 1,000 yuan for China Construction Bank, Bank of China, and China Merchants Bank, and 1,500 yuan for Bank of Communications (Y-power card) (single transaction amount is 500 yuan), CITIC is 1,200 yuan, while Agricultural Bank of China and China Guangfa Bank stipulate that single transaction amount of 500 yuan or more can apply for installment. Everbright Bank has no requirement on the amount. As long as the cardholder uses the designated card, the bill will be automatically divided into 12 installments.

How to pay in installments with CITIC Bank credit cards

CITIC Bank credit cards cannot be paid in installments.

Relevant regulations for CITIC Bank credit cards:

1. The merchant will submit the payment slip or cash withdrawal slip signed by the cardholder to the acquiring bank, and settle the account with the acquiring bank to recover the advanced funds.

2. Through the electronic payment network established by the bank and the magnetic stripe reading and manual password input of the card, cardholders can realize card consumption, ATM cash withdrawal, transfer, various payment and other functions. The charge made by the card is equal to the reduction in the balance in the savings account. The account balance is zero and the card's payment function is reduced to zero. Applying for a debit card is very simple and does not require bank approval. Generally, it can be applied and withdrawn immediately.

3. Go to any bank branch with your valid ID. A current account must be opened first. The account balance must not be less than 10 yuan. Accounts that do not draw money based on seals. Accounts that are not reported lost or frozen, and the account status is normal.

4. Debit card fees mainly include annual fees, small account management fees, loss reporting fees, new card processing fees, cash withdrawal fees (including local inter-bank, non-local inter-bank, non-local inter-bank, overseas ATM, Hong Kong and Macao regions) , transfer fees (including non-local bank, non-local inter-bank, local inter-bank, and overseas wire transfer), online banking transfer fees (including non-local local bank, non-local inter-bank, local inter-bank, and overseas remittance).

5. A consumer service tool provided to savers. In shopping malls, hotels, entertainment venues, public service venues, etc. that already have POS terminals on the bank card network, debit card users can use their accounts to make purchases without using cash.

User consumption and payment There is no limit on the amount and no handling fees. But the account cannot be overdrawn. In addition, Savings has also launched a mobile phone payment service and a phone wallet payment service. Payment is easy and flexible. Payment can be made anytime, anywhere 24 hours a day, which is more convenient.

Therefore, CITIC Bank credit card cannot be paid in installments.

Extended information

Functions of CITIC Bank credit cards:

1. Gathering function

General accounts guide the gathering of many dispersed small amounts of funds Become a capital function that can be invested in social reproduction. Here, the stock market plays the role of a "reservoir" of funds.

2. Allocation function

The allocation of resources, general accounts transfer resources from low-efficiency utilization departments to high-efficiency departments, so that the economic resources of a society can be most effective Allocate resources to the most efficient or most effective uses to achieve rational allocation and effective utilization of scarce resources.

3. Adjustment function

The adjustment effect of personal accounts on the macro economy. The stock market connects savers on one side and investors on the other. The operating mechanism of the stock market works by affecting savers and investors.