For Bank of Communications credit card, make purchases after the bill date of the current month, and then apply for installment payment. Installment repayment will be carried out according to different situations

After various installment businesses are successfully processed, the number of installments and transactions The amount cannot be changed; the amounts payable in each installment that have been processed for installment transactions will be included in the minimum repayment amount of the current period, and no further application for installment payment business is allowed.

1. After the cardholder successfully handles the transaction installment, merchant installment and electronic sales installment, the principal amount payable in each installment will be divided into equal installments according to the number of installments chosen by the cardholder, and will be recorded in the cardholder's bill on each installment's statement date. ; When applying for bill installment, the amount of the current bill that has not been applied for installment will first be included in the current bill. The amount applied for installment will be evenly amortized according to the number of installments selected by the cardholder, and will be recorded to the cardholder on each bill day starting from the second installment. People bill.

2. The calculation of the "principal amount to be repaid" and the "handling fee amount to be repaid" for each period is accurate to the nearest digit. If the "principal amount to be repaid" for each period cannot be divisible at the digit, the amount will be split by rounding. , the difference will be adjusted in the last period.

3. The "principal amount to be repaid" and the "handling fee amount to be repaid" for each period are regarded as an ordinary consumption on the statement date of the period and are included in the total repayment of the cardholder's monthly bill, and the full amount is included in the minimum repayment amount. , and can enjoy a 20-day interest-free repayment period.

4． If the repayment amount in any period is overdue, interest and late payment fees will be calculated and charged in accordance with the "Postal Savings Bank of China RMB Credit Card (Personal Card) Application Agreement" (hereinafter referred to as the "Acquisition Contract"). The "principal amount payable" is regarded as an ordinary consumption on the bill date of the current period, and interest will be charged from the bill date of the current period.

5. The installment transaction amount will fully occupy the credit limit of the transaction credit card, and the occupied credit limit will be restored month by month based on the cardholder's actual monthly repayment amount.