Unbilled credit cards can be divided into stages, and the unbilled part can be divided into stages before or after the billing date. Cardholders can generally use online banking and mobile banking to installment the outstanding bills of credit cards, or they can directly call the customer service phone of the bank to apply for installment of outstanding bills.

Credit card has three stages: cash stage, billing stage and consumption stage.

The number of unbilled periods is only 3,6, 10, 12, while the number of unbilled periods is 6, 10, 12,18,24. You can choose.

Unpaid installments have no interest-free period, but invoiced installments have interest-free period, so invoiced installments are equivalent to one month's interest-free period, and cardholders only need to pay off the installment amount of the first installment before the repayment due next month.

The installment of issued bills can be applied between the next day of the billing date and the due repayment date; Unpaid bill installment refers to the application for installment payment between the date of transaction and the day before the date of issue of the bill corresponding to the transaction. The installment amount of unpaid bills cannot exceed 95% of the total credit card consumption in the current period.

Extended data:

No matter whether the installment is not invoiced or invoiced, the installment will generate certain formalities fees. If the cardholder fails to repay in time after installment, it will cause overdue behavior and overdue fees. Therefore, it is suggested that cardholders must repay on time and spend rationally.

The minimum consumption of banks applying for installment is basically between 500- 1500 yuan, including ICBC 600 yuan, China Construction Bank, Bank of China, China Merchants Bank 1000 yuan, Bank of Communications 1500 yuan (Y-power card is a single 500 yuan) and CITIC 1200 yuan.

Agricultural Bank of China and Guangfa Bank stipulate that you can apply for installment for a single amount of credit card in 500 yuan or above. Everbright Bank does not require the amount. As long as the cardholder uses the designated card, the bill will be automatically divided into 12 installments.

General banks should evaluate the credit status of cardholders according to their credit limit and credit records of credit card consumption. Only after the assessment is passed can the cardholder make the installment payment smoothly.

If the evaluation result is not satisfactory, the bank may reject the cardholder's application for installment payment, or fail to give the cardholder the amount of installment payment he wants. Cardholders can fully consider their own financial situation and apply for installment by telephone.

Baidu encyclopedia-credit card bill installment