What should I do if I default on a cash installment with a CCB credit card?

Usually credit card cash withdrawals cannot be paid in installments. You can use a one-time repayment method or a minimum repayment method.

Credit card minimum payment:

Minimum payment is a method of credit card repayment. Minimum repayment, minimum repayment amount calculation method: minimum repayment amount = the unpaid portion of the minimum repayment amount of the previous period's bill and the overdraft balance of the current period's bill * 10. If the minimum repayment amount is paid before the due repayment date (inclusive), the card issuer will charge overdraft interest at a rate of 50,000 per day.

There are two other ways to repay credit cards:

1. Full repayment, which means repaying in full before the repayment date. You can repay the amount of overdraft without interest.

2. Installment repayment, after applying to the bank for installment, monthly repayment = overdraft amount/number of installments and installment handling fee. What will happen if you can't repay the cash installment of CCB credit card?

You have to pay the minimum payment. If you can't repay the minimum payment, you can leave for 3 months. During this period, the bank will call to pursue you. I will sue you later. How to calculate the interest of China Construction Bank credit card cash installment?

There is no interest for CCB credit card cash installment, only handling fee. The fee rate is: 2.4% for 3 periods, 4.2% for 6 periods, 7.8% for 12 periods, 24 periods. 13.5%. Pay all handling fees on the first billing day.

For example, if you apply for 3 installments of 2,000 yuan in cash, the handling fee is 2,000X2.4% = 48 yuan. What should I do if I don’t enter the savings account after applying for CCB credit card cash installment?

If you don’t fill in the savings account, the application cannot be submitted. If it cannot be submitted, it will not be processed.

If you mean that the application is successful and the money has not been deposited into the savings account, it is almost impossible. The money will be transferred to your savings account immediately after the application is successful. You can check it after a few minutes after the application is successful. Open a savings account. If you really don’t have one, call the CCB customer service hotline to report it. Which card is the CCB credit card cash installment on?

If you apply for cash installment, after the application is successful, the amount will be transferred to your savings card at once, and you can take it out for use. Then the credit card will issue a bill every month, and the installment principal and handling fee will be included on the bill, and you can just repay it normally.

If your credit card is not bound to an agreed repayment account, then you will pay directly to the credit card every month. If you bind an agreed repayment account, the bank will automatically deduct the money every month as long as there is enough money in the savings card.

For China Construction Bank Credit Card, can I apply for cash installment if there is no money in the card?

How to apply for installment repayment

Telephone application: Cardholders can call the bank Transfer the call to the credit card center to manual customer service and apply for cash installment from the customer service staff.

The cardholder selects the number of installments, installment amount, debit card account number and reason for borrowing. The person selects the number of installments, installment amount, debit card account number and reason for borrowing.

Online banking application: Cardholders log in to the bank’s official website and choose to apply for cash installment.

The cardholder selects the number of installments, installment amount, debit card account number and reason for borrowing.

The cardholder can complete the application by entering the dynamic password and cash withdrawal password. How to apply for installment payment with CCB credit card

For single consumption installment payment, if the single consumption exceeds 1,000, please call customer service before the bill date to apply.

If the bill is to be paid in installments this month, the total amount of consumption in the current bill must exceed 500, and it must be handled before the due date of repayment. This can be done through online banking, text messages, the voice system of the customer service phone, or WeChat. Is there any relationship between CCB credit card cash installment and quick loan?

No, cash installment is an installment form launched by CCB credit card. Because sometimes people are short of cash and want to make installments, but if you overdraft to withdraw cash, you cannot apply for installments.

So China Construction Bank has a cash installment business, that is, you can apply for it through a credit card. For example, if your cash installment is 10,000, if the application is approved, the bank will transfer the amount of 10,000 to your savings card at once, and then you can withdraw the money. Come out and use it. Then your credit card will settle the installment principal and handling fee in each installment, and you only need to repay it in installments according to the bill. You can log on to the CCB credit card website and click on cash installment. The introduction is quite clear. You can learn more about it in detail. If you want to apply, you can apply directly online. Is it true that CCB’s credit card cash limit can be increased by installments?

It is true. As long as it can create revenue for the bank, it will be easy to increase the credit card limit

Credit card limit increase:

Spend more with your card in each installment and occupy as much of your credit card limit as possible; applying for installments from time to time, or withdrawing cash, etc. will help increase your credit limit.

You can also provide proof of good financial strength, such as: a copy of the real estate certificate, a copy of the car driving license; a copy of the bank loan account or deposit certificate, etc.

3. The premise is that you have a good credit record. Where to withdraw money after CCB credit card cash installment

When applying for cash installment, the cardholder needs to provide a CCB savings card account under his or her name. If the installment is successful, the money will be automatically transferred to the debit card. You can use the debit card to withdraw cash at any teller machine or outlet counter.