1. How to apply for personalized installment of Bank of Communications?
To apply for individualized staging, the applicant must be at least 23 years old and under 60 years old, and the applicant should be a person with full capacity for civil conduct. The applicant should have a stable job and income, stable economic conditions and sufficient repayment ability. The cardholder is overdue, but it still cannot be settled in one lump sum. The applicant has carried out real-name authentication on the mobile phone number, and the authenticated mobile phone number has been used for more than six months, and the applicant should also agree to read the mobile phone address book. The bank's review of personalized staging will be particularly strict, and only truly qualified users will pass the application.
The second is to charge the corresponding handling fee and interest.
First of all, the personalized installment of Bank of Communications is mainly to enable many users who can't repay in time to repay, so the repayment period will be extended and all the amounts will be phased, so that users will bear less repayment pressure every month. Since the bank has given such preferential treatment, it is of course necessary to reap corresponding profits. This part of the profit is the handling fee and interest fee caused by installment, so this part of the fee will definitely be collected.
Third, don't use credit cards at will.
Almost all adults have credit cards now, but in my opinion, you must not use them indiscriminately. Many people use credit cards to buy goods, just because they don't pay attention to their personal economic situation, but also to live a better and higher quality life. Although my life will be good for a while, in the long run, my credit card will be overdue, which will lead to problems in my credit information. If you are blacklisted, you will not be able to take public transport, and your future will be affected. I hope everyone understands this truth and don't use credit cards at will.