Consumer Installment Payment Business Terms of China Construction Bank Dragon Card Credit Card
China Construction Bank (hereinafter referred to as "CCB") Dragon Card Credit Card Cardholders (hereinafter referred to as "cardholders") apply for Dragon Card Credit card consumption installment business (hereinafter referred to as "consumption installment") indicates that it has read and agreed to abide by the terms of this agreement.
1. Basic regulations for consumption installment payment of China Construction Bank Long Card Credit Card
1. The consumption installment business means that the cardholder applies to China Construction Bank to divide a certain amount of unbilled consumption into several installments. Repayment, after approval, is a business in which the cardholder repays the card monthly within the agreed period and pays a certain handling fee.
2. Consumption installment can only be applied by the principal cardholder of CCB Long Card credit card (except commercial card).
3. Consumption installments cannot be applied for consumption corresponding to overpayments and temporary limits. Transactions applied for consumption installments by cardholders can only be processed based on the full amount of the transaction, and the installment amount cannot be selected arbitrarily.
4. You can only apply for consumption installment business once for the same consumption transaction.
5. Transactions that cannot be applied for consumption installment include: cash withdrawals, installment payments, real estate, securities investment, and interest and various handling fees charged in accordance with CCB's credit card regulations and application agreement (such as credit card Annual fees, cash withdrawal transaction fees, late fees, over-limit fees and other credit card charges) and transactions otherwise specified by CCB.
2. Rights and obligations of CCB Long Card credit card consumption installment payment cardholders
1. After the cardholder successfully applies for consumption installment payment, the installment amount and number of installments cannot be changed.
2. The cardholder’s available credit limit will be restored in equal amounts based on the actual monthly repayment amount.
3. The cardholder shall repay the outstanding balance on time according to the amount listed on the Long Card credit card statement. When the cardholder repays the full amount of the current period listed on the bill when it is due, the current consumption installment principal repayment can enjoy the interest-free period; the cardholder does not repay the full amount as listed on the bill when it is due. For repayment, the principal payable in the current consumption installment will be charged with interest from the current bill date. The consumption installment fee and the principal repayable in each installment are included in the minimum repayment amount of the current period. If the cardholder fails to repay the minimum repayment amount as listed on the bill, he must pay late payment fees in accordance with the credit card agreement.
4. The overpayment in the cardholder's account cannot be used to pay off the remaining principal of the installment in advance.
5. The cardholder has successfully applied for consumption installment. If he applies for early repayment, he must pay the remaining principal and installment fee in one go.
6. When the cardholder applies for foreign currency consumption installment, CCB will convert the foreign currency transaction principal into the equivalent RMB principal based on the cash selling price of CCB’s spot foreign exchange settlement and sales price when the cardholder calls to apply. After the exchange, the credit limit of the RMB account will be occupied; after the exchange, the RMB principal amount will no longer be adjusted to the foreign currency account; CCB will conduct installment operations based on the RMB principal amount, and the principal repayment and handling fee amount for each installment will be recorded in RMB.
7. The cardholder’s Long Card credit card has been suspended, or other circumstances have occurred in which CCB believes that the cardholder’s ability to fulfill debts or other credit levels has been reduced, the cardholder has defaulted on debts, applied for account cancellation, or actively requested suspension. When the card or the cardholder violates the relevant regulations of CCB, the cardholder's installment debt shall be deemed to be fully due when the above-mentioned events occur, and the cardholder shall repay all remaining arrears in one go, including but not limited to the principal, All repayable amounts including handling fees, interest, late payment fees, etc.
3. The bank’s rights and obligations regarding consumption installment payment with China Construction Bank Dragon Card credit card
1. CCB has the right to decide whether the cardholder’s consumption installment application is approved.
2. CCB has the right to change the terms and fee standards of this business, or delay or terminate this business in advance in accordance with relevant national regulations and business needs. The above adjustments will be announced to the public through outlets, websites, electronic banking, etc. , the cardholder will not be notified separately. The contents of the announcement will come into effect after the announcement. The contents of the announcement will constitute effective modifications and supplements to the agreement between CCB and the cardholders from the date of implementation. If the cardholder does not agree to accept CCB's adjustments, he should apply to terminate the consumption installment service in accordance with CCB's business rules before the announcement is implemented. If the cardholder fails to apply for service termination before the announcement is implemented, it will be deemed to have accepted the relevant adjustments from CCB. If the cardholder neither applies to terminate the service nor implements the adjusted rules, CCB has the right to terminate this agreement and require the cardholder to repay the entire remaining balance and corresponding interest and late payment fees in one go.
IV. Others
1. The principal amount payable in each consumption installment is recorded on the billing date. The amount of principal repayable in each period is equal to the total principal amount in installments divided by the number of periods, and the amount of handling fees payable in each period is equal to the total principal amount in installments multiplied by the monthly handling rate. The calculation of principal payable and installment handling fees for each period is accurate to the nearest digit. If the principal amount payable for each period is not divisible by the number of periods, the amount will be split by rounding, and the difference will be adjusted in the last period. The entire installment fee will be included in the minimum repayment amount of the credit card. For installment handling rates, please refer to the "Standard Table of Consumption Installment Handling Rates".
2. If a return occurs for a transaction that has been successfully processed for consumption installment, the cardholder should submit the relevant return voucher to CCB after the money is returned to the credit card, and call 400-820-0588 (not 400 In the service area, please call 021-38690588) to actively apply to terminate the consumption installment. If a foreign currency consumption installment has been successfully processed and a return occurs, the cardholder needs to convert the returned amount of the foreign currency account into RMB, and CCB will conduct the conversion according to the exchange rate when handling the foreign currency consumption installment.
3. Before applying for this business, cardholders should carefully read the terms of this agreement. If you have any questions about the terms of the business agreement, the cardholder should call 400-820-0588 for detailed inquiries and understanding before applying for this business. Before applying for this business, cardholders should ensure that they are fully aware of and fully understand the meaning of the above terms and corresponding legal consequences, agree to abide by the above terms, and voluntarily assume any related risks that may arise.
4. Other unspecified matters shall be carried out in accordance with the "China Construction Bank Long Card Credit Card Articles", "China Construction Bank Long Card Credit Card Use Agreement" and other business regulations.
CITIC Bank Credit Card Installment Details
CITIC Bank Credit Card Installment There are two different types, credit card single installment and credit card bill installment. Both methods also have their own regulations. To learn more about the installment details, please see:
1.
CITIC Bank Credit Card Single Installment Terms and Conditions
2.
CITIC Bank Credit Card Bill Installment Terms and Conditions
1. CITIC Bank Credit Card Single Installment Terms and Conditions
The interest-free installment payment business for single consumption provides cardholders with the opportunity to repay outstanding balances. Interest-free installment payment service is provided for single purchases that are billed. After paying a certain handling fee, the cardholder can repay the amount of a single consumption that has not been billed in the current period in equal installments according to the number of periods applied by the cardholder, and does not need to pay the dues due to incomplete repayment. interest.
1. CITIC Bank personal credit card principal cardholders (excluding business cards) and independent supplementary cardholders, hereinafter collectively referred to as cardholders, can apply for interest-free installment payment on the next day of a single purchase. plan (applications from foreign cardholders are not currently accepted), please see the "Single Installment Rate Table" for relevant fees.
2. The following transaction amounts cannot be applied for installment payment:
The transaction amount that has been applied for installment (including but not limited to shopping mall installment, mail order installment, single consumption installment, bill installment, cash installment, car purchase installment, etc.);
Disputed transactions, cash withdrawal transaction amounts and various interest charges (including but not limited to handling fees, interest, late fees and other credit card charges, etc.);
Transaction amount of foreign currency account;
Transaction amount separately designated by CITIC Bank.
3. Cardholders must apply for an interest-free installment plan for a single purchase within the time interval between two days after the card transaction (after the transaction is recorded) and three working days of the current bill.
4. After the cardholder successfully applies for the interest-free installment plan for a single consumption, he cannot change the amount and number of installments, and he cannot apply for interest-free installment payment again for the outstanding installment balance.
5. The cardholder cannot choose the minimum repayment method for repayment of a single installment amount that has been successfully processed.
6. After the cardholder has successfully applied for the interest-free installment plan for a single purchase, if a refund occurs due to returns, exchanges, etc., the cardholder must call the CITIC Credit Card customer service hotline to apply for cancellation of the installment plan. Payment plan and provide the corresponding valid return or exchange purchase voucher. After approval by the China CITIC Bank Credit Card Center, the cardholder must pay the outstanding installment balance in one go. In any case, the handling fee that has been collected/accounted (including one-time The handling fee collected in full and the handling fee collected in installments will not be refunded, and the remaining uncollected handling fees will not be charged.
7. The cardholder applies to pay off the outstanding installment balance in advance. After approval by the China CITIC Bank Credit Card Center, the cardholder must pay the outstanding installment balance in one go. In any case, the outstanding installment balance has been collected/accounted for. The handling fee (including the one-time full handling fee and the handling fee collected in installments) will not be refunded, and the remaining uncollected handling fees will not be charged.
8. The cardholder’s credit card has expired and the card has been renewed. The interest-free installment plan for a single purchase will not be terminated due to this.
9. CITIC Bank Credit Card Center may determine that the cardholder’s account is no longer suitable for a single consumption interest-free installment plan when it deems it appropriate. The cardholder’s outstanding installment balance and outstanding The reimbursed installment fees are all due and payable. This situation includes but is not limited to:
The credit card is canceled, frozen, terminated, expired or not used by the cardholder or the CITIC Bank Credit Card Center for any reason. Renewal (or the relevant notice has been issued);
The cardholder fails to pay any outstanding amount or any other outstanding balance in the credit card account on time;
The cardholder violates The "CITIC Bank Credit Card (Personal Card) Application Agreement" or any provisions of these Terms and Conditions;
The cardholder has gone bankrupt or died;
Other CITIC Bank Credit Cards The Center believes that any event that may cause the cardholder to be unable or not to perform its responsibilities under these terms and conditions or the collection contract has occurred or may occur.
10. If CITIC Bank Credit Card Center exercises its rights under Article 9 of these Terms and Conditions, all outstanding installment balances will become immediately due and must be paid immediately. Cardholders should immediately pay all outstanding balances on their credit card accounts to the CITIC Bank Credit Card Center. Including the outstanding installment balance and other fees, the handling fees that have been collected/accounted for under any circumstances (including the one-time full collection fee and the handling fee collected in installments) will not be refunded, and the remaining uncollected handling fees will not be refunded. Charge.
11. When the cardholder logs into our credit card online banking or applies for the bill installment service through our credit card customer service hotline (including sales hotline) or sends a text message, it will be deemed that the cardholder has accepted all the terms of the business. terms.
12. The cardholder declares that he has read and understood these terms and conditions, and agrees to be bound by them. These terms and conditions are additional terms of the "CITIC Bank Credit Card (Personal Card) Use Agreement".
13. CITIC Bank Credit Card Center reserves the right to modify these terms and conditions at any time or as it deems appropriate, and will notify cardholders of such modifications through any means deemed appropriate by CITIC Bank Credit Card Center. people. In the event of any dispute regarding these terms and conditions due to interpretation or other reasons, the interpretation of the CITIC Bank Credit Card Center shall be binding and shall become the final decision.
2. CITIC Bank Credit Card Bill Installment Terms and Conditions
The interest-free installment business provides cardholders with interest-free installment services for repaying the current bill amount. After paying a certain handling fee, up to 90% of the current bill amount can be divided into installments according to the number of installments applied by the cardholder and repaid in equal amounts starting from the next bill cycle, and there is no need to pay any fees due to incomplete repayment. Interest payable.
1. CITIC Bank personal credit card principal cardholders (excluding business cards) and independent supplementary cardholders, hereinafter collectively referred to as cardholders, can apply for an interest-free installment plan on the day after the current bill is issued ( Applications from foreign cardholders are not accepted for the time being). Please refer to the "Bill Installment Rate Table" for relevant fees.
2. The following transaction amounts cannot be applied for installment payment:
(1). The transaction amount that has been applied for installment (including but not limited to shopping mall installment, mail order installment, single installment, bill Installment, cash installment, car purchase installment, etc.;
(2), disputed transactions, cash withdrawal transaction amount and various interest charges (including but not limited to handling fees, interest, late fees and other credit card charges, etc.);< /p>
(3), foreign currency account transaction amount;
(4), unrecorded transaction amount;
(5), transaction amount separately designated by China CITIC Bank .
3. Cardholders must apply for an interest-free installment plan within three working days from the current bill date to the due date of payment.
4. After the cardholder successfully applies for the interest-free installment plan, he cannot change the number and amount of installments he has applied for, nor can he apply for interest-free installment payment again for the outstanding installment balance.
5. The cardholder cannot choose the minimum repayment method for repayment of the bill installment amount that has been successfully processed.
6. The cardholder applies to pay off the outstanding installment balance in advance. After approval by the China CITIC Bank Credit Card Center, the cardholder must pay the outstanding installment balance in one go. In any case, the outstanding installment balance has been collected/accounted for. The handling fee (including the one-time full handling fee and the handling fee collected in installments) will not be refunded, and the remaining uncollected handling fees will not be charged.
7. The cardholder’s credit card has expired and the card has been renewed, and the interest-free installment plan will not be terminated due to this.
8. The CITIC Bank Credit Card Center may determine that the cardholder’s account is no longer suitable for the interest-free installment plan when it deems it appropriate, and the cardholder’s outstanding installment balance and outstanding All installment fees are payable when due, which circumstances include but are not limited to:
(1) The credit card is canceled, frozen or terminated by the cardholder or the CITIC Bank Credit Card Center for any reason, or has expired; It has not been renewed (or the relevant notice has been issued);
(2) The cardholder has violated the "CITIC Bank Credit Card (Personal Card) Use Agreement" or any provision of these terms and conditions;
(3). The cardholder has gone bankrupt or died;
(4) Other CITIC Bank Credit Card Center believes that any situation may cause the cardholder to be unable or not to perform its terms and conditions hereunder. Liability events under the terms and conditions or the use contract have occurred or may occur.
9. If CITIC Bank Credit Card Center exercises its rights under Article 8 of these Terms and Conditions, all outstanding installment balances will become immediately due and must be paid immediately. Cardholders should immediately pay to the China CITIC Bank Credit Card Center all outstanding balances on their credit card accounts, including outstanding installment balances and other charges, as well as handling fees that have been collected/accounted for under any circumstances (including handling fees collected in full at one time and The handling fee collected in installments) will not be refunded, and the remaining uncollected handling fees will not be charged.
10. When a cardholder logs into our credit card online banking or applies for bill installment business through our credit card customer service hotline (including sales hotline) or sends a text message, it will be deemed that the cardholder accepts all the terms of this business. terms.
11. The cardholder declares that he has read and understood these terms and conditions, and agrees to be bound by them. These terms and conditions are additional terms of the "CITIC Bank Credit Card (Personal Card) Use Agreement".
12. CITIC Bank Credit Card Center reserves the right to modify these terms and conditions at any time or as it deems appropriate, and will notify cardholders of such modifications through any means deemed appropriate by CITIC Bank Credit Card Center. people. In the event of any dispute regarding these terms and conditions due to interpretation or other reasons, the interpretation of the CITIC Bank Credit Card Center shall be binding and shall become the final decision.
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 a credit card and/or transaction password (not for non-consumption), including but not limited to payment, advance loan Cash 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.
Minsheng Bank Credit Card Free Installment Terms and Conditions
1. This business is applicable to the principal cardholders of Minsheng Credit Card personal cards;
2. Cardholders You can apply on the bill to convert any transaction that meets the conditions into a free installment transaction;
3. The minimum single transaction amount for applying for free installment payment in 3, 6, 9, and 12 installments is RMB 600. (or equivalent foreign currency), cardholders can apply by logging into Minsheng Credit Card online banking, editing text messages or calling the 24-hour customer service hotline 400-66-95568; the minimum single transaction amount for applying for 18 or 24 free installments is RMB 5,000 (or equivalent foreign currency), cardholders can log in to Minsheng Credit Card Online Banking, edit text messages or call the 24-hour customer service hotline 400-66-95568 to apply;
4. The Bank reserves the right to Allow any illegal transactions, bad credit card accounts, credit card accounts with abnormal status, or credit card holders that the Bank deems unsuitable for applying for installment payment business for any reason to apply for this business. If your installment amount contains overpayment, our bank will calculate and charge a handling fee based on the entire amount of the installment applied for. Please fully consider it based on your own needs.
5. The number of free installments that can be applied for is 3, 6, 9, 12, 18, and 24. If you successfully apply for the free installment business, the cardholder must pay according to the installment. A certain percentage of the total transaction amount is used to pay the handling fee. The handling fee is collected in installments on the billing date of each installment. The handling fee per installment = the total amount of the installment and the handling fee rate for each installment;
6. All free installment handling fees will be charged on After successfully applying for free installment, the cardholder's credit limit will be fully occupied the next day;
7. After successfully applying for free installment business, the installment amount payable in the current period (that is, the total amount of the installment transaction divided by the number of installments) And the current handling fees are included in the minimum repayment amount of the current bill, and the installment amount payable in each installment is accurate to "cents";
8. For transactions that have successfully applied for free installment payment, the first bill after the installment It can be canceled before 21:00 (Beijing time) on the same day;
9. If the cardholder proposes to repay in advance, the Bank will deduct the unpaid principal and unpaid balance in one go from the cardholder's account. All handling fees for the remaining periods. All unpaid amounts will be included in the minimum repayment amount of the current period on a billing date;
10. When applying for free installment, cardholders will not enjoy extra points, and the amortized amount of each free installment will not be given as a gift. Points;
11. The following types of transactions are not allowed to apply for free installment business:
Various handling fees charged in accordance with the applicable regulations of the relevant credit card and the provisions of the application contract, such as credit card Annual fees, cash advance transaction fees, interest, late fees and other credit card charges;
Transfer transactions, cash withdrawal transactions, securities transactions, loan repayments, lottery purchases, payment of fines, taxes, court fees, bail funds and bonds, government loans, embassy and consulate fees, etc.;
Other items separately designated by the Bank.
12. The handling fees collected by the Bank due to free installment business will not be refunded;
13. If the cardholder’s credit card account is closed due to account cancellation during the free installment period, If the account becomes abnormal due to any reasons such as being frozen, or the Bank believes that its credit status has deteriorated for any reason and the account is no longer suitable for installment payment business, the Bank has the right to transfer the installment payment without any notice. All remaining outstanding balances (including handling fees) of the payment business are deemed to be fully due and recorded as the minimum repayment amount in one installment of the bill, and the cardholder shall repay it in one go;
14. China Minsheng Bank Credit Card The center reserves the right to modify the charging standards related to this business, as well as the right to change, adjust or terminate this activity; the final right of interpretation of this business belongs to China Minsheng Bank Credit Card Center.
Guangfa Bank Credit Card Single Installment Terms and Conditions
1. The "Automatic Sample Banking" service means that customers only need to call 95508 (or through other channels) to apply for binding once. Then there is no need to apply every time by phone (or through other methods) in the future. All future single large purchases by the customer that meet the agreed amount can be automatically carried out in interest-free installments according to the number of installments designated by the customer. Customers can also make interest-free installments at any time. Call 95508 (or by other means) to cancel the binding.
2. The automatic "Everything" service is permanently valid. If the cardholder does not need this service, he can cancel it at any time by calling 95508 (or through other methods).
3. When the cardholder calls the customer service hotline of China Guangfa Bank to register for the interest-free installment payment of "Yangyangxing", it is equivalent to the cardholder accepting all the terms of the project.
4. Commercial card, company card, debit card transactions and foreign currency transactions are temporarily not eligible for this service. Transactions with special-shaped cards and supplementary cards can enjoy this service, but transactions with supplementary cards must be registered by the main cardholder for interest-free installment payment.
5. The consumption registered for "Xianxingxing" refers to general commodity consumption transactions, excluding transactions such as cash withdrawals, gambling, gold trading, and pay passes.
6. Registration for interest-free installment payment by "Bianxiangxing" is not accepted for transactions that have already been recorded in the bill. Cardholders are requested to request for installment payment before the current bill date (inclusive).
7. Within five working days after the cardholder successfully registers for installment payment, China Guangfa Bank will deduct the "principal amortization amount" and handling fees of the first installment, and pay each month during the repayment period. Deductions will be made in installments on the same day.
8. The "principal amortization amount" and handling fees for each period are calculated accurately to the nearest digit, and the portion of the principal that cannot be divisible will be deducted in the last period.
9. The "principal amortization amount" and handling fees are included in the total transaction amount due on the cardholder's monthly bill. If the amortization amount in any period is overdue, interest and late payment fees will be calculated and charged in accordance with the "Guangfa Bank Credit Card Customer Agreement".
10. Cardholders can register installment payments for multiple transactions at the same time, but each transaction must be registered in full. Installments have been processed for cardholders (including "Xianxianxing" interest-free installments) Payment and mail order installment payment) transactions cannot be registered repeatedly.
11. If the cardholder still has excess money after paying the credit card account on a monthly basis, the money will be regarded as his own deposit and the interest-free installment principal of "Xianxianxing" will not be paid off in advance. part.
12. If the cardholder cancels or withdraws the interest-free installment payment after registering for "Yangxianxing", China Guangfa Bank will treat the installment payment as being paid off in advance. If the cardholder proposes early settlement, within two working days of requesting early settlement, China Guangfa Bank will deduct the unpaid principal and all handling fees for the remaining periods that have not been paid in one go from the cardholder's account, and The handling fees already deducted in the early stage will not be refunded.
13. If there is a refund such as the return or exchange of goods between the cardholder and the merchant, the cardholder is asked to call to cancel the installment payment, and China Guangfa Bank will treat it as an early settlement.
14. The cardholder needs to cancel the card during the repayment period. Please pay off the unpaid installment balance in advance before making a request for cancellation.
15. China Guangfa Bank reserves the right to ultimately approve the registration of interest-free installment payment for "Xianxianxing", determine the approved amount, and adjust the number of installments.
16. If the customer successfully registers for the interest-free installment payment of "Xianxianxing", China Guangfa Bank will approve whether the installment amount occupies the credit card account limit based on the customer's card usage. After approval, the bank will notify the customer via SMS or The approval results will be notified by phone, please check carefully.
If a customer uses the card to make a purchase and registers for "Yangxianxing" interest-free installment when the card has its own deposit, China Guangfa Bank will approve whether the installment amount occupies the customer's own deposit based on the customer's card usage.
17. If the cardholder’s credit card is frozen by the bank, other credit levels are reduced, or the debt is not fulfilled, Guangfa Bank can directly treat the cardholder’s installment credit debt as all due, and the cardholder The entire remaining amount and corresponding expenses should be repaid in one go.
18. Within the scope permitted by law, China Guangfa Bank may adjust the product and activity details according to the actual situation and in accordance with national laws and regulations.
That’s it for the introduction to credit card terms.