Bill installment is a financial function provided by our credit card center for eligible cardholders to repay credit card transactions in RMB account and USD account by installment, including the installment of unbilled transactions and billed transactions.
The bill installment business is limited to the application of the main cardholder of personal credit card, and only the cardholders of business card, official card, purchasing card, ANA guarantee card or supplementary card cannot apply.
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Frequently asked questions about credit card bill installment of China Merchants Bank
(1) When can I handle the bill installment?
For transactions without bills, you can apply for installment payment from the trading day to the billing date of the corresponding bill at 19:30; For the billed transaction, you can apply for installment payment between the next day of the current billing date and the due repayment date. If automatic repayment is set in your account, the application deadline is due repayment date 17: 00.
(2) How to use the appointment staging function
You can set the installment conditions of future consumption or bills through "Appointment installment" under the "installment financing" menu of online banking, mobile banking or Pad bank. When a customer has a consumption or bill that meets the preset conditions and meets the staging rules of China Merchants Bank within the specified time period, the system will automatically divide the transaction or bill into the specified number of installments to help the customer realize intelligent financial management!
Customers can also make an appointment for the installment of RMB account on the same day through interactive SMS, edit the SMS "#G# Today's Date # installment number", and send it to 1065795555 for mobile users and 95555 for Unicom and Telecom users to apply.
(3) The amount of installment payment of negotiable instruments that can be applied for.
The minimum amount of each application for installment payment of RMB bills shall not be lower than that of 300 yuan. For the installment payment of US dollar bills, the minimum amount of each application shall not be less than US$ 65,438+000. The total amount of installment application for unbilled transactions must be equal to the sum of the original transaction amounts, and cardholders cannot apply for partial installment repayment for a single transaction.
Cash advance transactions, installment transactions, real estate transactions, RMB funds that have applied for foreign exchange purchase and other transactions designated by banks cannot apply for bill installment payment. The maximum amount that can be applied for bill installment is subject to the actual evaluation result.
(4) The number of business periods and commission rate of bill installment.
In this behavior, the cardholder provides personalized choices such as 2, 3, 6, 10, 12, 18, 24 and 36. The single installment fee rate is 0%~ 1.67%. The actual installment fee and the number of applicable installments are subject to the real-time evaluation results of China Merchants Bank Credit Card Center.
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