installment method for insufficient balance in the account of ICBC h411: installment can only be carried out when the balance is greater than or equal to the money to be phased+interest.

ICBC's credit card installment rules are different from other banks. If your credit card can be used normally, the installment amount is your actual available amount. For example, if your credit card currently has an actual available amount of 2 yuan, the amount of installment transactions you can handle will not exceed 2 yuan.

Extended information:

Precautions for ICBC's credit card

1. The total amount of installment payment and handling fee cannot exceed the available amount of the credit card account, and the amount deducted in each installment is regarded as the consumption of the current month, so you can enjoy the interest-free repayment period.

2. ICBC business outlets, 95588 telephone banking, online banking, mobile banking, self-service terminals and short messages.

3. The day of installment payment is the first deduction date, and the deduction dates of subsequent installments are the same as the first one. If the number of days in the subsequent repayment month is less than the first deduction date, the deduction date of that month is the last day of the month.

4. One extension is allowed, and the handling fee rate is the same as that of installment payment.

5. if you apply for prepayment, the prepayment fee is exempted.

reference: ICBC official website _ credit card installment.