What are the regulations for applying for installment payment with Agricultural Bank of China credit card?

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Agricultural Bank of China Credit Card Consumption Installment Regulations

Application Amount: The starting amount for a single transaction is RMB 500 Yuan, the maximum is the credit limit of Jinsui Credit Card.

Applicants: The installment payment service is only provided to principal cardholders of personal credit cards.

Number of installments and installment rate:

Application method: You can apply through the Agricultural Bank of China Credit Card Center customer service phone or online banking.

Agricultural Bank of China Credit Card Installment Terms and Conditions

(1). The following transactions cannot be used for installment payment business

1. In accordance with the "Agricultural Bank of China Jinsui Credit Card" Various fees stipulated in the "Card Use Agreement" and "Agricultural Bank of China Golden Harvest Credit Card Regulations", such as annual fees, cash advance transaction fees, interest, late payment fees, over-limit fees and other credit card charges;

2. Cash advance transaction.

3. Consumption transactions in which the consumption amount plus installment fees occupy the temporary credit limit or overpayment.

(2) Terms of consumption installment business agreement

1. When the cardholder calls our bank’s customer service hotline to apply for the installment payment business, it is equivalent to the cardholder’s acceptance of the business. In all terms, Agricultural Bank of China has the right to independently decide whether to agree to consumer installment applications based on internal business regulations and commercial judgment.

2. The principal payable in each installment is equal to the consumption amount applied for installment (hereinafter referred to as the "installment amount") divided by the number of installments. The installment handling fee payable in each installment is equal to the installment amount multiplied by the month. Handling rates. The principal repayable in each installment is calculated accurately to the dollar, and the installment fee calculation is accurate to the digit. For the amount of the principal repayable in each installment that cannot be divisible by the number of installments, the amount is divided by rounding off decimals, and the difference is Make adjustments in the final period. The principal and handling fee of each installment must be repaid in full and included in the minimum repayment amount of the account for the current period.

3. The consumption transactions applied for in installments must be authentic and valid. The minimum amount of a single transaction is RMB 500 and must not exceed the available limit of the cardholder's account. Temporary credit lines and available lines resulting from overpayments cannot be used for consumer installment transactions.

4. Once the application for consumption installment business is successful, the cardholder shall not apply for cancellation.

5. If there are unpaid installment debts in the account, you must first pay off all the RMB debts before you can enjoy the customer service manual foreign exchange purchase and repayment service.

6. Over-limit fees, late payment fees and other fees arising from the consumption installment business are charged based on the Agricultural Bank of China credit card regulations and the use contract.

7. When the cardholder repays the full amount of the current period listed on the bill when it is due, the monthly installment payment will enjoy an interest-free period; if the applicant fails to repay the loan on time, Agricultural Bank of China will The company has the right to calculate and collect corresponding interest on all unpaid amounts based on the expected annualized interest rate and interest calculation method of the credit card's overdraft, and to calculate and collect relevant fees based on the credit card's charging standards and charging methods.

8. Those who meet our bank's installment extension conditions can apply for the installment extension business from our bank. Each installment can only be extended once at most. If the cardholder's account is in an abnormal state specified by our bank or the cardholder has paid off the installment principal, the extension business cannot be processed.

9. When an installment is over-repaid, if the over-repayment is not enough to repay the principal of the next installment, the repaid part will be deemed to have repaid the principal of the final installment. The number of repayment periods is The repayment amount of other periods remains unchanged; if the overpayment is sufficient to repay the principal of the next installment, the number of repayment periods will be automatically reduced, and the handling fee will be charged according to the actual number of periods; if the principal of the installment payment has been Once the payment is completed, the installment payment shall be deemed to be completed.

10. When the cardholder's credit situation deteriorates, the account debt cannot be paid, or other high-risk situations determined by our bank, our bank has the right to terminate the installment plan in advance.

11. After the installment payment plan is terminated early, all the unpaid principal of the installment will be credited to the minimum repayment amount of the current period, and the installment handling fee for the current period will be charged. The installment handling fee collected by the cardholder will not be refunded, and Fees such as interest and late payment fees will be charged depending on the repayment status.

12. If a transaction that has successfully applied for consumption installment is returned, the installment fee charged to the cardholder will not be refunded.

The returned amount is regarded as a repayment transaction. If the installment principal cannot be paid off, the installment payment will continue to be valid; if the installment principal is fully paid off, the installment payment will end.

13. If the cardholder cancels the card during the repayment period, he must first pay off the unpaid installment amount in advance and then apply for cancellation. If the cardholder's card expires and the cardholder has unpaid debts, Agricultural Bank of China will automatically renew the card as approved by the cardholder.

14. Agricultural Bank of China reserves the right to modify the terms of this business, the rate schedule and other fee standards, as well as to delay or terminate this business in advance.

Can Qin Nong Bank apply for car owner’s credit card?

Can Qin Nong Bank apply for car owner’s credit card. The car owner's credit card is a gold card, divided into two types: UnionPay card and MasterCard + UnionPay dual currency card. The annual fee is 200 yuan/year, which is not waived in the first year. If you spend 30,000 yuan, the annual fee will be waived in the following year.

(1) 12% discount on refueling: You can enjoy 12% discount at more than 8,000 gas stations in 48 cities across the country, including PetroChina and Sinopec.

(2) Points can be exchanged for Ping An Auto Insurance: Points can be used to offset Ping An Auto Insurance premiums at the rate of 500 points = 1 yuan.

(3) National free road rescue: From the day after the first brush, you can apply for free road rescue services (including accidents and non-accidents) within 30 kilometers each time. You can enjoy it once a day, with no limit throughout the year. Days!

(4) Complimentary insurance: From the day after the first purchase, you can receive up to 1.1 million yuan in accident insurance for all vehicle personnel (only the cardholder drives the vehicle), and up to 500,000 yuan in driver accident insurance. , up to 100,000 yuan/person in car accident insurance for people in the car, and up to 4,000 yuan/person in driving accident medical insurance for all people on the car (including the driver).

Important terms in the credit card application contract

1. Cardholder: refers to the natural person who is approved by Party A and issued the credit card. If there is no other special agreement, it includes the principal cardholder. Cardholder and each additional cardholder under the principal card (subject to context).

2. Credit card account: refers to the account under the credit card opened by Party B with Party A. This account is a dual-currency account (RMB and foreign currency) or a single-currency account (RMB or foreign currency). Party A's credit cards held by Party B are all classified into corresponding credit card accounts according to Party A's definition. Credit cards under the same account are entitled to the credit limit approved by Party A.

3. Credit card transaction: refers to a daily consumption transaction conducted by using a credit card, or using credit card++ and/or transaction password (not for non-consumption), including but not limited to payment, Cash advance and other transaction types approved by Party A.

4. Cash advance: refers to the cash advance approved by Party A for Party B and its supplementary cardholders using credit cards at bank counters or ATMs or other transaction methods approved by Party A. Credit card transactions involving cash withdrawals or transfers using the cash advance limit within the limit.

5. Credit limit: It is the maximum limit that Party B can use repeatedly within the validity period of the card, which is determined by Party A based on Party B’s credit status. It is the maximum limit for all cards (including main cards and supplementary cards) under Party B’s name* The maximum usage limit is also the same limit for RMB accounts and foreign currency accounts. Party A has the right to adjust its credit limit at any time based on changes in Party B's credit status and notify Party B by phone, writing, text message or other means. In addition, when Party B requires a higher credit limit within a certain period of time due to reasonable consumption needs, Party B may apply for a temporary increase in the credit limit, subject to Party A's approval. Party B’s actual available quota at each point in time is calculated in accordance with the method determined by Party A.

1. According to Article 7 of the "Regulations on the Supervision and Administration of Credit Card Business of Commercial Banks": A credit card refers to a credit card that records relevant information about the cardholder's account, has bank credit limit and overdraft functions, and provides cardholders with relevant bank information. Various media for services. Credit card consumption is a non-cash transaction payment method. There is no need to pay cash when consuming, and repayment will be made on the billing date (BillingDate). Credit cards are divided into credit cards and quasi-credit cards. Credit cards refer to the cardholder. A credit card with a certain credit limit that allows consumption within the credit limit and then repayment; a quasi-credit card means that the cardholder deposits a certain amount of reserve fund as required. When the balance of the reserve fund account is insufficient for payment, the credit card can be A quasi-credit card with an overdraft within the credit limit. The so-called credit card generally refers to a credit card only.

2. The earliest credit card appeared at the end of the 19th century. In the 1880s, the British clothing industry developed so-called credit cards, and the tourism and business sectors followed suit.

However, the cards at that time could only be used for short-term commercial credit, and the money still had to be paid as and when used. Long-term arrears were not allowed, and there was no credit line.

Is it easy to get approved for Qinong Bank’s credit card?

The application for Tainong Bank’s credit card depends on the applicant’s qualifications. Almost all banks’ credit cards depend on the applicant’s qualifications. If your credit qualifications are good, it will be easy to get approved for a credit card. If your credit qualifications are less than ideal, it won't be easy to get approved for a credit card.

CreditCard is a credit certificate issued by a commercial bank or credit card company to consumers with qualified credit.

The form of a credit card is a card with the name of the card-issuing bank, validity period, number, cardholder name, etc. printed on the front. Consumers holding credit cards can go to a special commercial service department for shopping or consumption, and then The bank makes settlements with merchants and cardholders, and cardholders can overdraw within the prescribed limit.

Credit card, also known as credit card, is a non-cash payment method and is a simple credit service. A credit card is generally a plastic card with a length of 85.60 mm, a width of 53.98 mm, and a thickness of 1 mm. It is issued to the cardholder by the bank or credit card company based on the user's creditworthiness and financial resources. The cardholder does not need to pay cash when using the credit card to make purchases. Make further repayments. Except for some credit cards combined with debit cards, general credit cards are different from debit cards and ATM cards in that credit cards will not directly deduct funds from the user's account. In February 2012, the bank confirmed that credit cards without passwords are more secure, and they share the responsibility for any fraud. Enjoy an interest-free period of 25-56 days (or 20-50 days). Card consumption enjoys an interest-free period, and there will be no fees if you pay off the bill before the due date. There is no interest-free repayment period for cash withdrawals. A daily interest rate of 0.05% will be charged from the day of withdrawal, and the bank will also charge a certain percentage of cash withdrawal fees.

Credit cards can be divided into:

(1) Bank cards. This is a credit card issued by a bank. Cardholders can shop at the card-issuing bank's special merchants, and can also withdraw cash at any time at any branch of the card-issuing bank or at places with ATMs.

(2) Non-bank card. Such cards can be specifically divided into retail credit cards and travel and entertainment cards. Retail credit cards are credit cards issued by commercial institutions, such as department stores, petroleum companies, etc., which are specially used for shopping in designated stores or refueling at gasoline stations, etc., and are settled regularly. Travel and entertainment cards are credit cards issued by the service industry, such as airlines, travel companies, etc., and are used for purchasing tickets, meals, accommodation, entertainment, etc.

This concludes the introduction to Qinnong Bank’s credit card terms and Qinnong Bank’s credit card terms inquiry. Have you found the information you need?