What is the installment payment by Bank of Communications credit card?

First of all, Bank of Communications credit card installment payment:

1, installment payment does not need to hold Bank of Communications credit card for more than 3 months!

2. You can't apply for installment payment: general real estate sales, hospital transactions, business expenses, government consumption, transfer transactions and cash withdrawal transactions can't be applied for installment payment.

3. Bank of Communications Y-POWER Credit Card (Youth Card), with the initial installment amount of RMB 5 yuan or USD 6 yuan. Quasi-credit cards and quasi-corporate cards do not participate in the "split if you want" bill installment plan, and the initial installment amount of other credit cards of Bank of Communications is RMB 1, 5 yuan or US dollar 1 yuan.

There are three ways to pay by installment with the credit card of Bank of Communications:

1. Divide the credit card of Bank of Communications into 3, 6, 9, 12, 18 and 24 months if you want: you can log in to the online banking of SMS password user or certificate user or call the 24-hour customer service hotline of the credit card center from 2 days after the trading day to 3 days after the due repayment.

2. Bank of Communications credit card installment treasure: You don't need to have a credit card in advance, you can complete the installment application on the spot only by providing relevant materials on the spot, and the goods will be moved home on the spot, and you can also enjoy the long repayment period discount of delaying repayment for four months in large installments.

3. Bank of Communications credit card mail order installment: You don't need to swipe your card on site, you can complete the installment payment transaction with merchants thousands of miles away by phone, fax or online, free of interest and handling fees, and the goods can be delivered directly to your home.

the interest of installment payment of Bank of Communications' credit card is as follows:

Transaction amount (RMB) Monthly rate (%)

The down payment payable above 15 (inclusive) -65 (inclusive) -125 (inclusive) = total installment amount ÷ number of installments (the remainder is recorded in the down payment payable). +total installment amount × handling fee rate of each installment

remaining repayment amount of each installment = total installment amount ÷ number of installments+total installment amount × rate of each installment

Reminder: the cardholder calls the 24-hour customer service hotline at 8-988-8888, 4-889-3888 or 21-538 two days after the consumption transaction date and three days before the due repayment date.

What is the process of installment payment by Bank of Communications

1. Spend RMB 15 or USD 1 yuan or above with a single credit card of Bank of Communications;

2. Call the credit card of Bank of Communications at 4-8-9888 to inform the customer service staff of the transaction information between 2 days after the credit card transaction and 3 days before the due repayment date;

3. After a simple review, the customer service specialist can inform you that the application was successful. Bank of Communications credit card installment payment is interest-free and does not charge interest, but it will charge installment fees.

Extended information

1. The installment amount occupies the credit line

For example, if the bill of 2 is divided into 12 months, assuming that it is 2 per month, your credit line will be reduced by 18 in the first month because it is occupied. After each repayment, a part of the credit line will be restored.

2. There is a handling fee for installment

There is a certain handling fee for installment. The more installments, the lower the installment interest rate, and the installment fee is different from bank to bank. If the bill is billed or not, the installment fee will be calculated according to the installment interest rate. Banks encourage cardholders to make installments. If there is no economic pressure, it is best to repay in full.

3. Some expenses can't be paid in installments

For example, the part that used the temporary quota, such as the part that should be paid back in the previous installment (the installment applied for last month, 2 yuan should be paid back this month, and this 2 yuan can't be distributed any more).

how is the bank of communications credit card divided into stages? How to calculate interest?

Bank of Communications credit card can call the bank customer service to apply for installment. There is no interest on credit card installment, but there is a handling fee. .7% in the third phase; .7% in Phase 6; 12 periods of .6%; .6% in 18 periods; .6% in 24 periods; Handling fee = installment rate of installment principal. Requirements for credit card bill installment application: 1. The application time for bill installment is from the trading day to the repayment date, and you can freely choose to installment the transactions under RMB or USD accounts. For unbilled transactions: you can apply for installment from the transaction date to 19:3 on the billing date corresponding to the transaction. For the issued bill: you can apply for installment from the next day of the billing date to the due repayment date (for customers with automatic repayment in their accounts, the application deadline is 17: on the due repayment date). 2. Conditions for application for bill installment The applicant must hold a personal card of a bank credit card, have a good record of using the card and have no delay in current repayment. Customers who only hold business cards, business cards, purchasing cards, ANA guarantee cards or supplementary cards are temporarily unable to apply for bill installment. 3. The application amount for bill installment shall be applied for RMB bill installment, and the minimum application amount for each time shall not be less than RMB 3 yuan; Apply for US dollar bills in installments, with a minimum application amount of not less than US$ 1 each time. After successful installment of RMB or USD bills, the principal of each installment and the handling fee of each installment are included in the RMB account, that is, the installment amount of USD bills is converted into RMB at the exchange rate specified at the time of application. Note: Cardholders can apply for the number of installments within the scope allowed by the bank, such as 3 installments, 6 installments, 9 installments, 12 installments, 18 installments and 24 installments, with one installment per month, counting from the first installment bill after successful application.

how to handle installment repayment with Bank of Communications credit card

Customers can apply for this business by designating a credit card through the Bank of Communications credit card customer service hotline and other ways recognized by Bank of Communications. Bank of Communications will finally decide whether to approve or not and the specific amount according to the credit status and consumption purpose of the customer at the time of application.

after the business application is successful, the customer can set the installment number of the credit line (hereinafter referred to as "designated installment number") and the initial transaction amount by himself within the options provided by Bank of Communications.

after this business application is approved, regardless of whether the credit line of the customer's credit card is sufficient to complete the transaction, all transactions with a single amount exceeding the initial amount of the transaction and meeting the conditions specified in these Rules will use the credit line according to the rules agreed with the customer, and will be automatically converted into the installment plan according to the number of periods set by the customer.

Extended information:

The credit line is not applicable to real estate transactions and other projects designated by Bank of Communications from time to time according to customers' consumption choices, regulatory regulations and risk policies.

the service fee income mode and service fee rate of this business shall be subject to the website announcement, and the service fee shall be calculated based on the installment amount. The fees and interest generated by this business shall be credited to the account of the credit card designated by the customer. After completing the necessary procedures such as price filing and announcement according to the regulatory requirements, Bank of Communications can adjust the relevant installment fee rate, and customers can make specific inquiries on the credit card website of Bank of Communications.

the number of installments is counted from the first billing cycle after the installment transaction is booked. The amortized installment principal and the bookkeeping amount after the installment cancellation are not entitled to the minimum repayment, and the customer is required to repay this part of the debt in full every month.

Bank of Communications-Bank of Communications Pacific Credit Card Enjoy Loan Business Terms and Conditions

How to operate installment payment with Bank of Communications credit card "Pay the bill"? Does it show how many periods?

bank of communications credit card app "pay the bill" to apply for installment repayment operation method:

1. download the app "pay the bill" on the mobile phone.

2. open the app, select "my" and log in to the account.

3. after logging into the account, click "home page" and find "I want to stage".

4. enter the installment amount, and you can select the number of installments for the repayment plan (at present, you can choose 3, 6, 9 and 12 installments), and click Next.

5. check the data of "installment amount", "installment number" and "each installment should be", click "submit" after it is correct, and wait for approval.

how to handle credit card installment payment in Bank of Communications

Like all banks, Bank of Communications also provides installment payment service for credit card holders, but there are many ways to handle the installment payment business in this bank, and the different ways are different. Let's introduce the related matters of credit card installment service in Bank of Communications.

introduction of credit card installment payment of Bank of Communications

There are three main methods of installment payment provided by Bank of Communications, including installment payment, installment payment and mail order installment payment. The different methods of installment processing are different, as follows:

1. Divide the credit card if you want: To handle this installment business, the cardholder needs to log in to the online banking or call the credit card center for 24 hours from 2 trading days to 3 repayment days.

2. installment treasure: if you want to handle this business, it doesn't matter even if you don't have a credit card. As long as you rely on your personal credit and provide relevant materials on the spot, you can complete the installment application on the spot and take the goods you like home. If you handle a large installment, you can also enjoy the long repayment period discount of delaying repayment by four months. 3. Mail order installment: you don't need to swipe your card on the spot, just make a phone call and mail order.

2. Precautions for credit card installment payment of Bank of Communications

1. Not all transactions can be installment. According to the installment terms and conditions of "Divide the bill if you want", the following transactions cannot be installment payment:

1. Cash advance transactions, installment transactions, real estate transactions and various expenses (such as annual fees, interest, late fees and other credit card charges);

2 projects designated by the Bank of Communications.

2. There is a limit on the installment amount, and the installment amount should not be higher than the credit limit. Neither depositing in a credit card nor temporarily raising the credit limit can increase the maximum amount of the installment transaction.

This is the end of the cost-effective introduction about how to divide the credit card of Bank of Communications into stages and how to divide the credit card of Bank of Communications into several stages. Did you find the information you need?