I. Application
(1) A cardholder applying for a single installment business shall meet the following conditions:
1. The cardholder meets the conditions of single installment payment; (Except for business card holders and foreign card holders, supplementary card customers can be applied by the main card holder. )
2. The cardholder's single consumption amount exceeds 100 yuan or more; (Except for transactions that cannot apply for a single installment payment)
(two) can not apply for a single installment transaction:
1. installment payment transaction has been processed;
2. Dispute transactions, cash withdrawal transactions and various interest charges (including but not limited to handling fees, interest, late fees and other credit card charges, etc.). );
3. Unrecorded transactions and other transactions stipulated by China Industrial and Commercial Bank;
(3) Time and channels of application
Application time: the cardholder can apply for a single installment business during the period from consumption to the day before the current billing date.
Application channels: cardholders can apply through ICBC customer service hotline, sales line, credit card online banking, mobile phone card space, SMS, WeChat and other channels.
(4) After the cardholder successfully applies for a single installment business, the number and amount of installments applied for cannot be changed.
Two. Use, charging and reimbursement
(1) The number of installments that cardholders can apply for is 3, 6, 9, 12, 18, 24 and 36, and the fees are as follows:
Period: 3, 6, 9, 12, 18, 24, 36.
Expense rate per period
0.80%,0.80%,0.76%,0.73%,0.75%,0.75%,0.75%
(2) Repayment of principal in installments = total repayment in one installment ÷ number of installments. Repayment of principal in installments (accurate to the minute) shall be credited to the cardholder's credit card account on a monthly basis. If the principal cannot be divided, the remaining part shall be recorded in the first installment. Handling fee per period = total amount per period × handling fee rate per period for the corresponding number of periods. (The total amount of a single installment is less than 2000 1 yuan, and the handling fee is charged at one time. If the total amount of a single installment reaches 2000 1 yuan or above, the handling fee will be charged by installment; After the application is successful, the handling fee will be credited to the cardholder's credit card account in one lump sum or in stages according to the corresponding charging method, and once charged, it will not be refunded. )
(3) After the cardholder successfully handles a single installment, the credit line corresponding to the credit card will be occupied, and the occupied credit line will be restored with the repayment of each installment until the balance of the last installment or all installments is paid off in advance.
(4) The cardholder has successfully handled a single installment amount, and cannot apply for installment again and choose the minimum repayment method for repayment. If the cardholder fails to repay the remaining bill amount of the current period in full and on time after successful handling, or any expected contribution amount is not fully repaid, it will be deemed as insufficient repayment, and interest or late fees will be incurred. For details of the charging standard, please refer to the credit card charging standard table of CITIC Bank.
(5) If the cardholder needs to pay off the outstanding installment balance in advance for the single installment business that has been successfully handled, he must call the customer service hotline of ICBC to apply. After the application is approved, the unpaid installment principal must be repaid in one lump sum, and the fees collected will not be refunded (including one-time and installment fees), and the remaining unpaid fees will not be charged.