There are two main ways to apply for installment payment with Bank of Communications cards:

1. Telephone application:

Call Bank of Communications customer service 4008009888 to be transferred to manual customer service, and then inform Customer service requires you to apply for credit card installment repayment. After checking your personal information, just tell customer service how many installments you want.

2. Online banking application:

Log in to the official Bank of Communications credit card website m.com, click on installment credit, then enter the required information after jumping to the page, and then log in Just operate as required.

Bank of Communications credit card installment application conditions and handling fees:

1. Application conditions: A single purchase of US$100 or RMB 1,500 in the user's credit card account, or a single transaction with Y-Power card The total amount of consumption or consumption debt in the account is RMB 500 or USD 60, and shall not exceed RMB 350,000 or USD 15,700.

2. Application time: Cardholders can apply to repay a single consumption or consumption debt in installments from the time the consumption transaction is recorded to one day before the due repayment date.

3. Bank of Communications credit card installment fee standards:

Currently, Communications provides six installments: 3, 6, 9, 12, 18 and 24. The current handling rate for each period is 0.72%.

Handling fee per period = total installment principal multiplied by the handling rate for each period of the corresponding period (handling fee is charged monthly).