First, apply for China Merchants Bank Card. It can be finished in a day, and it will be OK in a few hours if it is fast.
The installment of China Merchants Bank card in Gome Suning does not occupy the normal credit line, but it can only be staged after calling 8008205555 1 9 to apply to customer service.
1. Staging in Suning
Suning Appliance Chain Store can enjoy 3, 6 and 12 installments when the single product consumption is over 1500-50000 yuan.
If you choose the third installment payment of China Merchants Bank credit card, the customer needs to pay a 2% handling fee;
If you choose the 6-installment payment of China Merchants Bank credit card, the customer needs to pay a handling fee of 2.5%;
If you choose China Merchants Bank Credit Card 12 installment payment, the customer needs to pay a handling fee of 4.5%.
2. Staging in Gome:
1500-50000 yuan can enjoy six interest-free installments.
1500-50000 yuan is entitled to 12 installment 2.5% handling fee.
3. Bill installment business: Call the customer service hotline of China Merchants Bank at 800-820-5555, and press 9 for manual service.
Application time: between the next day of the current billing date and two working days before the final repayment date.
charging standards
Period number 3,6, 12
Handling fee 2.6% 4.2% 7.2%
You can take the lead in paying the total product cost in advance through the bank and get the right to use the product at the first time. Spend tomorrow's money to do today's things, and consumers can pay in installments through bank credit, avoiding the inconvenience of paying a large amount of money at one time, which is actually the biggest advantage of loans. For example, if you go to a merchant to buy an installment payment, the merchant will check your information first and then contact the bank/credit guarantee institution. After you pay the down payment, the bank/credit guarantee institution will give the rest of the money to the merchant first, and those installment payments will be directly returned to the bank/credit guarantee institution. For merchants, they only provide notebook sales and after-sales service, and other things need not be taken care of.
Most brands of notebooks can be purchased in installments. You can apply to the bank for installment payment after you apply for the card. After the business is opened, you can go to Gome or Suning to buy a notebook with a credit card. At this point, you can ask for installment payment when you swipe your card. It's that simple.
Here is another one, which may help you.
When it comes to buying notebooks by installments, we will think of paying by credit card. When it comes to credit card installment payment, many users may first think of China Merchants Bank. As the first bank in China to vigorously promote installment payment, China Merchants Bank took the lead in launching a relatively simple "installment payment, enjoy in advance" store installment. But in fact, in addition to China Merchants Bank, China Construction Bank, Bank of Communications, CITIC, China Everbright and other banks also provide installment services, and the types and characteristics of installment services of various banks are not the same.
More and more consumers are getting used to installment payment. For many student users and young people who have just started working, installment payment is undoubtedly a very effective way because the budget in hand is not sufficient.
At present, the interest-free installment payment of banks is generally divided into two types. One is the designated consumer merchants, such as China Merchants Bank and CITIC, whose handling fees are relatively low, often lower than the annual loan interest rate of 6. 12%, but the range of goods that consumers can choose is limited; The other is aimed at users, such as China Construction Bank and Bank of Communications. This kind of installment payment usually has no restrictions on merchants and goods, but it needs to bear a higher handling fee ... Let's take a look at some procedures for installment payment in big banks. ...
China Merchants Bank buys notebooks in installments.
The installment payment business of China Merchants Bank is mainly carried out through storefronts. As long as customers use notebooks signed by China Merchants Bank in IT stores, they are required to use installment payment when shopping by credit card. At present, the installment payment of China Merchants Bank can be divided into three installments, six installments and 12 installments.
China Merchants Bank implements interest-free repayment, that is, the repayment amount of users in each period is the total price of goods, which is very simple and clear.
However, at present, the installment payment of China Merchants Bank can only be made by special merchants. If users buy notebooks from non-China Merchants Bank's contracted merchants, they cannot use China Merchants Bank's installment payment service. However, in Guangzhou, for example, there are many notebook businesses in computer stores that support the installment payment of China Merchants Bank. Although China Merchants Bank says it is interest-free installment payment, I believe everyone will understand that there is no free lunch in the world. It seems that the installment payment of China Merchants Bank is actually to charge the merchants an installment fee, and the wool is on the sheep-the money is finally passed on to the consumers. Therefore, in the computer city, it is often necessary to pay an additional 3% of the total price to buy a notebook with China Merchants Bank's credit card.
If calculated in installments of 12 months selected by most people, the total handling fee of China Merchants Bank needs 3%× the total price of goods.
In addition, China Merchants Bank also has the method of purchasing notebooks from non-special merchants by stages. As long as your credit is sufficient, as long as you apply to China Merchants Bank for installment repayment after purchasing a notebook by swiping your card, you need to pay a handling fee of 2.6%× total price of goods in one lump sum if it is divided into three installments, 4.2%× total price of goods in six installments and 7.2%× total price of goods in 12 installments.
China Construction Bank buys notebooks by installment.
The installment payment of credit card consumption of CCB is aimed at individuals. As long as the amount of a single transaction is greater than or equal to 1 1,000 yuan, users can apply for installment service. CCB provides three-month, six-month and 12-month consumption installments, and cardholders can freely choose the number of installments.
It is worth noting that the consumer installment business charges customers monthly, and its monthly rate standards are: 3-month rate 0.70%, 6-month rate 0.60%, 12-month rate 0.60%.
Due to the handling fee, the monthly repayment amount of CCB is total commodity price × monthly handling fee rate+total commodity price/period.
If calculated by installments of1February selected by most people, the total handling fee of CCB is 0.60 %× 12 = 7.2 %× total commodity price.
Application method:
Step 1: Call 800-820-0588 for manual service during the period from credit card consumption to 3 working days before the bill date;
Step 2: Apply for consumption by stages; After accepting the application, CCB will complete the processing within 2 working days, and the processing result will be informed by SMS. Cardholders can also call 800-820-0588 after 2 working days.
The advantage of CCB's installment payment is that the consumption of applying for this business is not limited by shops and commodities, as long as the transaction meets the conditions of CCB and a certain handling fee is paid every month. In this way, as long as the single consumption exceeds 1000 yuan, users can choose to buy notebooks or mobile phones in stages, which is very convenient.
Due to the length of the article, here we will summarize the total handling fees required for 12 payment from several other banks.
For your reference, the bank will pay in installments according to 12 when purchasing notebooks in computer stores.
* Total handling fee of Bank of Communications 12 installment payment: Notebook value is more than 6,500 yuan: 8.64%× total commodity price; Notebook value is more than 6500 yuan: 8.4%× total price of goods; Notebook value exceeds12,500 yuan: 8. 16%× total commodity price.
* The total handling fee of Guangfa Bank 12 installment payment is 7.2%× total commodity price.
* The total handling fee for installment payment of China Everbright Bank 12 shall be 5.5%× the total commodity price.