Text: Payment can be made by installment. Generally, the installment number of credit card repayment is 3/6/9/ 12/24, and the installment number of different banks will be different. For example, China Merchants Bank supports two-month installment. Generally, after selecting the number of available installments, you can check the specific amount to be repaid each month, and users can apply for the number of installments that suit them according to their actual situation. As long as the cardholder applies to the bank for installment repayment after the bill date, there are many installment options, such as cash installment and free installment. Cash installment is mainly the installment of withdrawal application, and free installment is the installment of bill.
After the general cardholder applies for installment repayment, the installment repayment bill will be automatically transferred to the next bill. For example, if the cardholder's billing date is 16 in September and the repayment date is 10/0 on October 4, then the cardholder has amortized the bill before June 4, so when the repayment is due on June 4, 2006, the cardholder will The first installment payment will be automatically transferred to the bill on June 65438+1October 65438+June 6, and the cardholder can repay the bill as scheduled before June 65438+1October 4. This is the most convenient staging method, which can be basically supported by all issuers, and the application is simple. Users only need to apply to the issuing bank for installment by phone after spending their credit cards and before sending monthly bills. However, it should be noted that banks will stipulate some special circumstances, such as speculative credit cards can not be successful in installments. So before the trial run, be sure to read the trial run manual carefully.
Credit card installment can be repaid in advance, but you need to contact customer service in advance to terminate the installment. If you don't apply for termination of installment, the remaining installment amount will not be recorded in one lump sum, and it will still occupy the amount in the card, and the money deposited is only equivalent to the deposit. In addition, even if the installment is terminated early, the handling fee for the remaining installments will still be charged. For example, if you pay back 12 installments 1200 yuan, the bank will only think that you overpaid, and the rest are just overpaid. The bill is still deducted at once. If you can, you can cancel the installment payment first, then repay it, and click on the repayment directly, but the details still depend on the bank's regulations.
Can I use credit cards in installments?
Credit cards can be repaid in installments. Most banks can be divided into six periods, 12, 18, 24 and 36. Cardholders can apply for installment repayment according to their repayment ability.
Credit card, also called debit card, is a credit certificate issued by a commercial bank or credit card company to eligible consumers. It is a card with name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back. Consumers with credit cards can go to specialized commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limits.
The credit card stipulated in the relevant laws of our country (Interpretation of the Provisions of NPC Standing Committee on Credit Cards) refers to the electronic payment card issued by commercial banks or other financial institutions with all or part of the functions of consumer payment, credit loan, transfer settlement, cash deposit and withdrawal, etc. 20 17 12 1, the English translation and writing standards for public services were formally implemented, and the English names of credit cards were specified.
Credit card consumption is a non-cash transaction payment method, which does not need to pay cash when spending, and repays on the bill date.
Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to a credit card in which the cardholder has a certain credit limit and can spend first and then repay. Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund according to the regulations, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the prescribed credit limit. Credit cards generally refer to credit cards.
From the date of 202 1 1 1, the credit card overdraft interest rate is determined by the card issuer and the cardholder through independent negotiation, and the upper and lower limit management of the credit card overdraft interest rate is cancelled (the original upper limit is 0.7 times of the daily interest rate, and the lower limit is 0.7 times of the daily interest rate).
On May 25th, 2002/KLOC-0, the Supreme People promulgated and implemented the Provisions of the Supreme People on Several Issues Concerning the Trial of Civil Cases of Bank Cards.
Can credit cards be repaid in installments?
If you want to pay by installment, you can choose to pay by installment when you pay, or you can choose to pay by installment when you repay after paying in full. When the user chooses to pay by installment, the number of installments will be set on the payment page, and the user only needs to swipe his card. Since it has been paid in full, the user can choose to pay the bill in installments, so that he can repay it in installments.
In fact, installment payment and installment repayment are essentially credit card installments, and the effect is that users can repay in installments, and users can choose any installment method.
Credit cards can be divided into 36 periods at the longest, and most banks can be divided into 24 periods at the longest. After credit card installment, you need to pay installment fee. Although the monthly repayment pressure is reduced, the total repayment amount is increased. And often handle the installment business, which is also a manifestation of the poor economic situation of users. In fact, this is not conducive to repayment.
Some users think that banks can charge more for installment business and are more willing to increase the credit card limit. This understanding is wrong. Banks give users credit cards with reference to their credit information, repayment ability and credit card usage.
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Can credit cards be repaid in installments? Let's stop here.