The target customers are the main cardholders of Minsheng Credit Card Personal Card (except the new e-credit card, Platinum wealth management card, Bao Tong installment card, Bao Tong white-collar card, automobile installment card and automobile installment parking products).
Cash installment business is only carried out for high-quality customers among existing customers, and cash installment business is temporarily closed to customers other than target customers, that is, not all customers can apply for this business, and our existing customers can only apply if they meet certain conditions.
Cash installment can be applied at any time, and the principal and handling fee will be distributed on the first billing day after the application is successful. The customer will transfer the cash applied by the customer to the debit card provided by the customer in installments on the second day after the successful application (that is, T+ 1). The bank's system is expected to process documents at around 15:00 every day. The application before processing is regarded as the transaction of the day, and the application after processing is regarded as the transaction of the next day.
Extended data:
If the cardholder wants to pay off the outstanding installment money in advance for a successful cash installment, he must call the customer service hotline of our credit card center to apply. The handling fee for the early settlement of the third phase of cash will not be refunded; If other installments are settled in advance, the amortized fees will not be refunded, and the unamortized fees will only be charged 1 period, and the rest fees will be exempted.
After the cardholder successfully applies for cash installment, the cash installment principal will fully occupy the credit line, and the installment fee will occupy the customer's credit line when billing by installment, and the cardholder can apply for multiple times within the credit line; The amount occupied by the corresponding transaction will be recovered by installments with each repayment until the last installment or all installment balances are paid off in advance.
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