1. installment shopping: through our special merchants, we choose to purchase the specified goods or services in installments. For the specific charging standard of installment payment and the merchants that can handle it, you can log on to our credit card website/click "installment shopping" to inquire;
2. Bill installment (only cardholders of business cards, business cards (including financial business cards), shopping cards, ANA protection cards or supplementary cards cannot apply): If the merchant you shop is not a special merchant of our bank, you can apply for bill installment after consumption. Bill installment is a new financial management function launched by our credit card, which can help you repay the consumption amount in your bill in monthly installments. Whether the bill installment application is passed or not shall be subject to the comprehensive evaluation results of our credit card center. For details, please log on to the credit card website/click on "Credit Financing"-"Bill Staging" to inquire.
The difference between shopping installment and bill installment;
At present, our credit card has purchase installment at the time of consumption and bill installment after consumption: 1. Shopping by stages: through the special merchants of our bank, choose to buy the designated goods or services by stages; 2. Bill installment (cardholders who only hold business cards or supplementary cards can't apply for it for the time being): If the merchant you shop is not a special merchant of our bank, you can apply for bill installment after consumption. Bill installment is a new financial management function launched by our credit card, which can help you repay the consumption amount in your bill in monthly installments.
You can make a one-time settlement, but you need to call in advance to apply. After you make a one-time settlement manually, the handling fee will not be refunded, and the unpaid handling fee will also be charged at one time.
The annual credit card fee of China Merchants Bank is RMB 100/year for ordinary cards and 300 yuan for gold cards. The annual fee is charged once a year. If you apply for two cards or supplementary cards at the same time, the annual fee for the second card or supplementary card is 1/2 of the first card. The annual fee is calculated from the issuing date of your card (the validity period under the credit card number, and the previous date is the issuing date), which is not a natural year. Successful bid for China Merchants Bank credit card (except for unlimited card/platinum card/business card /ANA co-branded card /VISA MINI card /MSN MINI card /VOGUE titanium card /HELLOKITTY fan gold card Miss KITTY perfume credit card), the first-year annual fee will be reduced in advance by China Merchants Bank credit card or partners, and you will spend six times on a single card within one year after your card is valid (from the date of spontaneous card issuance). And this offer is valid for a long time before the change notice of the new annual fee preferential policy.
The annual fee is calculated from the card issuing date (the date is displayed below the credit card number, the previous date is the card issuing date, and the latter date is the expiration date; If only one date is displayed, the validity period). For example, the card says 07/ 10-07/ 13, which means that the credit card was issued on July 20 10, from August 1 to July 3 1.