How to repay CCB's credit card by cash installment
After handling the cash installment of CCB's credit card, the cardholder will repay the arrears on schedule according to the amount listed in the statement of Longka Credit Card within the agreed time limit. When the cardholder fully returns the current payable amount listed in the bill before the due repayment date, the principal payable in cash installments in the current period can enjoy the interest-free repayment period; If the full repayment is not listed according to the bill before the due repayment date, the principal payable in cash installments in the current period shall not enjoy the interest-free repayment period, and the interest shall be calculated and charged 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 for each period are included in the minimum repayment amount of the current period. If the cardholder fails to return 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 take the actual situation as the standard. )
How to repay the credit card of CCB by installment
Operating environment:
Brand model: One Plus 1Pro
System version: ColorOSV12.1
app version: v5.6.7
The credit card installment method of CCB is as follows:
1. Use the mobile phone number reserved in CCB, edit the short message "CCZZ# last 4 digits # amount # number of installments" and send it to the official telephone number of CCB, then you can apply for installment repayment.
2. CCB credit card mobile banking is divided into stages. Enter "China Construction Bank Mobile Banking", click "Credit Card"-"Bill Installment Application" in turn, and fill in as prompted.
3. Online installment of CCB credit cards. After logging in to CCB official website, individual online banking users select Credit Card Inquiry-Select-Inquire about issued bills-Apply for bill installment.
4. credit card telephone installment of CCB. Call the customer service phone of CCB credit card for telephone application, and then follow the prompts after input.
CCB credit card is a credit card issued by China Construction Bank. The credit cards issued by China Construction Bank are all named as "Longka", including: Longka Famous School Card, Longka Business Card and Longka Automobile Card.
knowledge
annual fee-free policy: the annual fee for the following year is exempted for the Puka Gold Card for 3 times or 18 times (excluding special cards such as business cards and automobile cards)
Cash withdrawal fee: within China: 5‰ of the transaction amount, with the lowest 2 yuan and the highest 5 yuan; Overseas: 3% of the transaction amount, with a minimum of $3.
Multi-account management: quota * * * Enjoy the same repayment on the bill date of multiple CCB cards independently
Online payment: Alipay: it can be used after online registration, and the single and single-day limit is 5 yuan
installment business: support interest-free installment (3, 6 and 12) for specific merchants. You can apply for installment (3, 6, 12, 18, 24) by phone after a single consumption in 1 yuan, and each installment will generate different handling fees according to the number of installments.
Billing days: there are multiple billing days every month, and the cardholder can change the currency
RMB, RMB/USD and RMB/Euro once a year within the validity period of the card.
interest
within the interest-free repayment period: the interest-free repayment period refers to the interest-free period for consumer transactions enjoyed by cardholders who repay in full on schedule, and the interest-free period starts from the bank bookkeeping date to the repayment date, with a minimum of 2 days and a maximum of 5 days. Overdraft cash withdrawal transactions do not enjoy interest-free repayment period.
Tip:
If you don't repay in full before the due repayment date, you won't enjoy the interest-free period. The Construction Bank will charge interest at the daily rate of .5 ‰ and compound interest on a monthly basis. The interest-bearing date is from the date of consumption to the date of repayment, and the interest-bearing principal is calculated based on the actual amount payable.
if you fail to repay before the due repayment date or the repayment amount is less than the minimum repayment amount, CCB will charge interest as required, and will also charge a late fee of 5% of the unpaid part of the minimum repayment amount.
How to repay CCB's credit card in installments
To handle the installment payment business of CCB's credit card, the following methods can be adopted:
1. Log in to CCB's personal online banking, click on the "Credit Card" page, and select "Card Account Transaction"; Then select "credit card installment"; Then select "Application for Consumption by Stages"; Then click on the transaction records that need to be staged; 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 "China Construction Bank" WeChat official account on WeChat, then enter WeChat official account, click the "Credit Card" option, enter the "Business Hall", then click ""on the page, and you can apply through the "Recommend for You-Consumption Staging" menu.
It should be noted that the installment payment business of China Construction Bank can only be applied when the cardholder's single consumption is more than RMB 3 (inclusive) or equivalent, and the application must be made 2 days before the latest bill date (the consumption must be recorded in the consumer transaction and 3 working days before the latest bill date).
credit card repayment method
within the issuing bank, this method includes: issuing bank counter, ATM, online banking, automatic transfer, telephone banking repayment, etc. After repayment, the credit card limit will be restored immediately, and the money will generally be recorded after being processed by the system on the same day.
Micro-banking POS mobile phone Micro-banking POS mobile phone is a personal payment terminal of mobile financial system, which can be used for direct credit card repayment and transfer. Immediate arrival!
repayment by transfer/remittance is mainly divided into two ways: inter-bank in the same city and inter-bank in different places. No matter how to transfer or remit money, the remitting bank will charge a certain fee, and at the same time, the time of payment and the convenience of repayment are not as good as those in peers, online repayment and convenience store repayment.
The common online platforms for online repayment in China are UnionPay Online, Kuaiqian, Shengfutong, Alipay and Tenpay. Different platforms and banks are selected, and the charging standards and the specific payment arrival time are different.
Convenience Store Repayment This method mainly completes the repayment through the "Lacarra" smart payment terminal installed in the convenience store. Generally, it takes 2-3 working days to arrive at the account, and no handling fee is charged for repayment in this way.
Counter-to-counter repayment refers to bank cards issued by networked financial institutions, which are used to conduct RMB current deposit and withdrawal transactions through the counters of other bank outlets registered in the host system of UnionPay Exchange Center.
the "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 financial services provided by the inter-bank information exchange network of China unionpay.
Repayment Pass uses "Repayment Pass" for repayment, and the fees are generally charged according to the charging standards for inter-bank transfer in the same city and inter-bank transfer in different places stipulated by the local People's Bank.
in addition to the above-mentioned methods, the issuing bank has also opened its own repayment methods for the convenience of cardholders.
That's the end of the introduction about how to repay the credit card installment of CCB and how to repay the credit card installment of CCB. I wonder if you found the information you need?