Terms and conditions of bill installment business:

If the main cardholder of Industrial Bank (hereinafter referred to as the "cardholder") agrees to apply for the credit card bill installment business of Industrial Bank (hereinafter referred to as the Bank), it means that he has read and agreed to abide by these terms and conditions.

1. Installment payment of bills is the installment payment or deferred repayment service provided by our credit card center for eligible cardholders. After paying a certain billing installment fee, the cardholder can repay a certain proportion of the outstanding amount of the billed consumer transaction in installments or postpone repayment at one time according to the number of installments applied by the cardholder, in which RMB bills and US dollar bills need to be applied separately.

2. The maximum amount that the cardholder can apply for the bill installment business is not more than the unpaid amount of the consumer transaction that he has billed. Within this range, the cardholder can freely set the amount for installment payment or deferred repayment of the principal. Installment payment and deferred repayment of principal both support RMB account and US dollar account, in which the minimum amount of installment payment in RMB account is RMB 1 yuan and the minimum amount of installment payment in US dollar account is US$ 1. The minimum allowable amount for deferred repayment of principal in RMB account is RMB 1 yuan, and the minimum allowable amount for deferred repayment of principal in US dollar account is US$ 1. Cardholders can apply for the installment payment of bills through the Bank's credit card online banking, mobile banking, Haoxingdong APP, Industrial Bank's official credit card WeChat, SMS (only for installment payment of RMB account bills) and customer service hotline 95561; The number of installments that can be applied for is 3, 6, 12, 18, 24 and 36 (each period is one month), and the number of deferred repayment periods that can be applied for is 1, 2 and 3 (each period is one month). The Bank reserves the right to examine and approve.

3. the cardholder must apply for the installment payment of the bill after the current billing date and before the due repayment date (inclusive).

4. After the cardholder successfully handles the bill installment, the current bill only needs to repay the amount other than the current bill installment before the due repayment date. If the cardholder fails to repay the minimum repayment amount of the current bill, it will be treated as overdue; If the cardholder fails to fully repay the amount other than the installment of this bill, it will be regarded as not fully repaid and will not enjoy the interest-free period of all consumer transactions in this bill.

5. This business is only handled by the main cardholder who normally uses the card, has a good credit status and a normal card status. If the card generated by the consumer transaction is in an abnormal status such as loss reporting, it cannot participate in this business; Do not accept the supplementary card holders to handle this business by themselves; Credit card products such as business card, dollar single currency card, kit card and campus card do not participate in this business.

6. You can't apply for bill installment payment for the following transaction amounts:

(1) Cash withdrawal transaction, transfer transaction, foreign exchange purchase transaction, installment payment or deferred repayment transaction, liquidated damages and various expenses (such as annual fee, interest, overrun fee and other credit card charges);

(2) Unbilled consumer transactions;

(3) Some laws, regulations and regulatory agencies prohibit or restrict the installment trading;

(4) other contents specified by the credit card center of the Bank.

7. Repayment of principal and installment fee for bills.

(1) The repayable principal of each installment is equal to the total amount of installment principal divided by the number of installments, which is accurate to the minute. It will be allocated on the first billing date after the installment, and will be recorded on the billing date of each installment, and will be fully included in the minimum repayment amount of each installment bill. The repayable principal of deferred repayment is equal to the total amount of applied principal, which is recorded in full at one time on the billing date of the current period when it is due according to the number of application periods agreed at the time of handling, and is included in the minimum repayment amount of the current bill in full. If the cardholder fails to fully repay the remaining amount of the current bill on time after successful handling, it will be deemed as not fully repaid, and the current bill will not enjoy the interest-free repayment period for consumer transactions.

(2) There are two ways to charge the service fee of credit card bill installment: one-time charge and installment charge, in which the installment charge is equal to the total amount of installment principal multiplied by the installment fee rate, which is recorded in each installment on the billing date after installment payment, and the one-time charge is equal to the total amount of installment principal or deferred principal multiplied by the installment fee rate, which is recorded in the first billing date after installment payment or deferred principal payment.