2. If the installment has been handled, the cardholder needs to call the bank customer service phone to apply for suspension of installment before paying off in advance. However, there are also bank regulations that even if the installment is paid off in advance, the handling fee required for the loan will be charged as usual.
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1. How can I return all the credit cards of China CITIC Bank?
The repayment method of all credit cards of CITIC Bank is to call the 24-hour customer service hotline 4008895558 of CITIC Bank to apply for prepayment, and make repayment according to the customer service instructions. Users can make repayment through mobile banking or Alipay WeChat.
It is worth noting that if the user cancels installment or needs to repay the unpaid installment principal in one lump sum after the prepayment application is passed, according to different business rules, 3% of the unpaid principal will be charged as the prepayment fee for canceling part of installment business.
Second, why not pay back the credit card arrears in installments:
For credit card bill arrears, if you choose to apply for installment, in addition to repaying the principal, you also need to pay a certain installment fee. Therefore, although installment repayment can delay the repayment pressure, it is still more than paying off all before the repayment date (inclusive). Therefore, if you don't want to pay back more, don't choose staging.
However, if you don't mind going through some formalities and can't guarantee to pay off before the due repayment date (inclusive), you can choose to apply for installment. Of course, in addition to installment repayment, you can also choose the minimum repayment amount, but after the minimum repayment amount, you will not be able to enjoy the interest-free period, and you will also generate circulating interest, which will be charged at the rate of five ten thousandths every day until the cardholder pays off all the money, and the interest will be compounded monthly.
We also need to note that after the installment is selected, although the installment will not be returned until next month, there will still be some outstanding bills that still need to be returned before the repayment date of that month (including).