Hello, if you need to do bill installment business, you must first apply for bill installment business with the credit card center. Only after the application is approved, you can repay the specified amount as scheduled.

Conditions for bill installment application:

Applicants must hold our bank’s main personal credit card, have good card usage records, and have no delays in current repayment. Customers who only hold commercial cards, business cards, purchasing cards, ANA guaranteed cards or supplementary cards cannot apply for bill installments at the moment.

Warm reminder: The above are the necessary conditions for applying for bill installment. Whether the final application for bill installment is passed shall be subject to the comprehensive evaluation result of the Bank's Credit Card Center.

Amount of bill installment application

When applying for RMB bill installment, the minimum application amount per time is not less than RMB 300; when applying for USD bill installment, the minimum application amount per time is not less than USD 100 .

After successfully applying for RMB or U.S. dollar bill installments, the principal of each installment and each installment handling fee will be credited to the RMB account, that is, the U.S. dollar bill installment amount will be converted into RMB according to the exchange rate specified at the time of application.

Bill installment charging standards

Our bank provides cardholders with a variety of personalized installments of 2, 3, 6, 10, 12, 18 and 24 installments Select, the corresponding handling fee rates for each period are 1.0, 0.9, 0.75, 0.7, 0.66, 0.68, 0.68 respectively. To apply for installment payment for unbilled transactions, currently only 2, 3, 6, 10 and 12 installments are available. Two of the phases can only be applied for through our bank’s mobile banking and mobile life channels.

Handling fee per period = total installment amount × handling fee rate per period. The total principal amount of the installment is amortized evenly on a monthly basis, and the remainder is included in the last installment. The installment amount of each installment and the handling fee of each installment are recorded at the same time.

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