China bank credit card is phased. When will the first phase be returned

After the installment, please repay according to the repayment amount shown in the next bill.

The above contents are for your reference. Please refer to the actual business regulations.

When will the credit card bill be paid back after installment?

After applying for credit card bill installment, you need to start repayment from the first repayment date after application. For example, if your repayment date is 27th, and you applied for it on February 8th, 65438, then you should start repayment on February 27th, 65438.

Credit card bill installment is a kind of business similar to mortgage repayment launched by banks. In the agreed installment stage, you can pay a certain amount of interest to the bank every installment. If you need to handle the bill installment, it is recommended to analyze the interest rate by telephone consultation or make a detailed calculation before making a decision. Generally, credit card records are not particularly expensive or extremely high, and it is not recommended to bill in installments. This can be obtained by calculating the consumption amount and the interest borrowed from you.

For banks, credit card is the core business of profit growth and an important part of retail business. Because there is a lot of room for value-added, it seems that credit cards are just personal retail revolving line loans, but in fact, there are income such as credit collection, special loan review and issuance (large amount, which does not occupy credit line), bills, cash installment, credit card fees, revolving interest, liquidated damages, etc., which are very expensive for banks. In other words, both the credit card bill and the cash installment have expenses, so the installment must be done according to your ability and don't bear unnecessary expenses.

When does the credit card installment start to be repaid? This repayment will not be overdue!

There are often card friends who spend a lot with credit cards, but they can't repay in full, so they will go to credit cards for installment. By allocating the amount owed to the monthly repayment, they only need to repay part of the principal and handling fee each month. The most important thing is that they can enjoy an interest-free period. However, many cardholders do not know when to start repayment after handling credit card installment. Let me introduce the installment repayment time of credit card to you.

1. When will the credit card be returned by installment?

This score can be divided into two situations. One is to see whether you apply for installment in the bill or after the bill date comes out.

1, billing by stages:

Refers to the installment of the unpaid bill amount, which generally requires repayment this month. Because your down payment and installment fee are included in the minimum repayment amount of this bill, you must repay it on the last billing day of this period.

2, the bill will be implemented in stages in the future:

This refers to the installment of the account amount, which generally needs to be paid back after the next bill comes out. Because after the successful installment of the bill, the principal and handling fee of the first installment will be included in the minimum repayment amount of the next installment, which means that you will have to pay it back after the bill comes out next month. In the installment month, you only need the bill amount that has not been paid in installments.

For a simple example, the billing date of your credit card is 22nd of each month, and the final repayment date is 10:

If the unpaid bill of 3,000 yuan is divided into three installments on 165438+ 10/8, it needs to be repaid before the end of 165438+ 10/0;

If you divide the 3,000 yuan bill into three installments on June 23rd 165438+, you need to repay it before the end of February 10.

Second, how to repay the credit card in installments?

In many cases, it is not excluded that even if the installment is handled, there is no money to pay back. At this time, some card friends will ask whether the amount after installment can be re-phased, or whether it can be repaid according to the minimum repayment amount. The answer is no.

Because the amount to be repaid in each installment of the credit card has been included in the minimum repayment amount of the current bill, you must repay the minimum repayment amount in order not to be overdue. Without money, it is still very dangerous. If it is determined to be a malicious overdraft, it will constitute a credit card, but it will be sentenced.

In short, when to start repayment by credit card installment mainly depends on the installment time, and the repayment time is different with the billing date as the watershed. However, whether your credit card installment repayment time is the current period or the next period, you must also pay the minimum repayment amount of the current bill.

So much for the introduction of credit card installment repayment time.