There are two forms of credit card installment, one is single installment and the other is bill installment.

1, single installment, also known as free installment. That is, no matter where the cardholder spends money, as long as the amount of a single credit card exceeds a certain standard, he can apply for transaction installment within the specified period from the transaction date to the bill generation date. Different credit card centers have different regulations on the minimum amount of a single installment; The handling fee rate varies from family to family, and some credit card centers will set different installment handling fee rates according to a single amount.

To apply for a single installment, only two conditions need to be met. One is that the single amount of the credit card meets the standard, and the other is that the cardholder must apply for installment within the specified time period.

2. Bill installment refers to an early consumption method in which the cardholder applies to the issuing bank for installment payment after credit card consumption and before the repayment date.

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), CITIC 1200 yuan, Agricultural Bank of China and Guangfa Bank. 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.

What are the installment payment methods of credit cards?

Credit card installment payment refers to the business that when a cardholder uses a credit card to make a large amount of consumption, the issuing bank pays the consumption funds of the goods (or services) purchased by the cardholder to the merchant in one lump sum, and deducts the consumption funds through the cardholder's credit card account in stages according to the cardholder's application, and the cardholder repays the money according to the monthly recorded amount. Let's take a look at the installment payment method of credit card with me!

Credit card installment payment method

Most domestic banks have credit card installment business. Installment payment is generally divided into POS installment, "mail order installment" and bill installment according to different occasions.

Shopping center installment payment

Also known as POS staging, it means that cardholders go to shopping places, such as "shopping malls" where staging can be carried out. When you check out, you need to pay by installment with a credit card supported by the mall. Then the cashier will swipe the card on the special POS machine according to the number of periods required by the cardholder (such as 3 periods, 6 periods, 12 periods, etc.). There are also a few shopping malls that support the 24 th issue).

Note: When staging in the mall, you need to verify the identity of the cardholder and remember to bring your ID card. Shopping malls are generally free in three stages. The rates for Stage 6 and Stage 12 vary from bank to bank. As long as the goods are sold normally in shopping malls, they can generally be paid by installments. In many cases, the cardholder can also bundle a number of goods together for settlement, and then pay in installments.

Network repayment

Common domestic network platforms are: UnionPay Online, Kuaiqian, Shengfutong, Alipay, Tenpay and so on. Choose different platforms and banks, and the charging standards and specific arrival time are different.

Convenience store repayment

This method mainly completes the repayment through the "Lacarra" smart payment terminal installed in the convenience store, which generally takes 2-3 working days to arrive at the account, and the repayment in this way is free.

Reverse related repayment

Counter link refers to the bank card issued by various networked financial institutions, and the RMB current deposit and withdrawal transactions are conducted through the counters of other bank outlets registered in the mainframe system of UnionPay Trading Center.

Xinfutong repayment

"Xinfutong" smart card phone is an innovative electronic product independently developed by China UnionPay, certified by Bank Card Testing Center and supported by financial services provided by China UnionPay's inter-bank information exchange network.

Repayment pass

Using the "Repayment Pass" for repayment, the fees are generally charged according to the charging standards for inter-bank transfer in the same city and inter-bank remittance in different places stipulated by the local people's bank.

Mail order installment payment

It means that the cardholder receives the installment mail order catalog manual sent by the issuing bank (or the online installment mall of the bank) and chooses from the limited commodities. Then the bank orders in installments through online installment mall, telephone or fax installment application form, etc. Generally, there is no handling fee for mail order installment regardless of the number of installments. However, due to the long ordering cycle (in many cases, it takes more than 15 working days to get the goods), and the return is relatively complicated. It is recommended to compare before buying.

Bill installment payment

This is the most convenient staging method, and all card-issuing banks can basically support this staging method, and the application is simple. Users only need to apply to the issuing bank for installment by phone after spending their credit cards and before sending monthly bills. However, it should be noted that banks will stipulate some special circumstances, such as speculative credit cards can not be successful in installments. So before the trial run, be sure to read the trial run manual carefully.

The disadvantage of bill installment is that it can't exempt the handling fee. The longer the number of installments, the higher the handling fee, and the cardholder must bear it himself.

Shopping center installment payment

Each bank will launch different activities for different shopping malls or home stores at different times. For example, large electrical appliance cities such as Dazhong and Suning will cooperate with many banks to carry out promotional activities. Customers can enjoy the preferential policy of free handling fee when they use the designated bank credit card in Phase 6 and Phase 12.

Repayment method credit card installment "temptation upgrade"

For credit card installment payment, most credit card users are no strangers. In the past, credit card installment mainly included bill installment and single consumption installment, and banks usually charged corresponding handling fees according to the number of installments. Whether it is bill installment or single consumption installment, the premise is to generate consumption behavior first, and then the bank will set installment repayment for the generated credit loan. [7]

Within the issuing bank

This method includes: issuing bank counter, ATM, online banking, automatic transfer, telephone banking repayment, etc. The credit card limit will be restored immediately after repayment, and the money will generally be recorded after being processed by the system on the same day.

Yinwei POS mobile phone

Weizhong Bank POS mobile phone is a personal payment terminal of mobile financial system, which can be used for direct repayment and transfer of credit cards. Arrive immediately!

Transfer/remittance repayment

Mainly divided into two ways: inter-bank in the same city and inter-bank in different places. Whether it is transfer or remittance, the remittance bank will charge a certain fee, and the payment time and repayment convenience are not as good as those of peers, online repayment and convenience stores.

How to buy a mobile phone by credit card installment?

It's easy to buy a mobile phone by installment with a credit card. Generally, you only need to choose installment payment when you pay. General merchants have given different installment numbers and the amount of each installment, so you can choose the one that suits you. However, many goods will pay a certain handling fee when they are purchased in installments, and no interest will be charged. This is what everyone needs to pay attention to.

After credit card installment shopping, as long as the normal repayment has no influence on the cardholder's credit information, the occasional use of installment has a good effect on increasing the credit card limit, but the credit card installment will occupy the credit card credit limit, and the user will restore the credit limit accordingly every time he repays the installment. Although you can buy a mobile phone by credit card in installments, you will have to pay back the money you spend after all. If the things you buy are more expensive, there may be overdue repayment in the later stage, which is very unfavorable to individuals and will affect personal credit information in the long run. Credit cards can be used for installment shopping, but it is best not to use them when repaying; Repayment in installments by credit card means that the cardholder has a problem with repayment. At this time, the bank will doubt the cardholder's repayment ability, and the credit card limit will be reduced after a long time.

Installment payment is mostly used for some product transactions with long production cycle and high cost. Such as the export of complete sets of equipment, large vehicles and heavy machinery and equipment. Installment payment means that after the import and export contract is signed, the importer pays a small part of the payment to the exporter as a down payment, and most of the rest is paid in installments after part or all of the products are produced and shipped, or after the goods are installed, debugged, invested and guaranteed. Installment payments are usually provided by banks and installment suppliers. Banks provide consumers with personal consumption loans equivalent to the amount of goods they buy, and consumers use the loans to pay their suppliers, who provide guarantees for consumers and bear irrevocable joint and several liabilities. Young people who spend by installment are often called "installment families".

Installment payment was developed after the Second World War. At first, it was limited to buying ordinary daily goods or services. Later, with the rapid development of productivity, the scale of industrial and agricultural production is expanding day by day, and the required expenses are increasing day by day. In addition, with the development of bank credit, the field of installment payment has expanded to enterprises that buy large machinery and equipment and raw materials. With the improvement of China's financial services and the change of people's consumption habits, installment payment, which is popular abroad, has been introduced to China and quickly recognized by domestic consumers. It is usually young people who have poor current payment ability but have consumer demand who spend by stages. The products it consumes are usually laptops, mobile phones and digital products.

How to pay for things by credit card?

Credit cards support installment repayment. When shopping, the cardholder can pay in full by credit card first. If he can't pay off all the debts in that month, he can contact the bank to apply for installment repayment.

The relationship between work and life is complementary. Work can provide guarantee for life, and a better life is the purpose of work. If people don't work, life is not only insecure, but also mediocre, losing value and fun. But if you only work, you have no time to enjoy life. This experience is unpleasant.

The word "workaholic" is familiar to everyone, and it is a brand-new word in my impression. Refers to people who are extremely involved in their work and are almost crazy. Such people probably can't "live" or can't talk about "life".

In fact, such people have existed for a long time, and of course they are everywhere, but they have never used this word. It seems that everyone who can be called a great man is a person who forgets his work. Let's call this kind of people for the time being: people who work first and live second. Even people who only have jobs in their lives.

Then there is the so-called pursuit of the ultimate life. They are not necessarily very rich or enthusiastic about their work. It's just that they think that work is simple and simple, and living in their world is never allowed to be called "days". It should be said that such people live a very chic and comfortable life, which is the meaning of their life. This kind of person is: life first, work second.

There is another kind of person who is the most ideal and has a large number. That is to strictly separate work from life. Work is work, and life is life. "Distinguishing between public and private" is their principle and wish, and they are never confused. They think that work and life are equally important. Work is their need, and life is their pursuit.

I also want to talk about such people, whose life is undoubtedly the highest purpose of their life. In fact, they have no concept of life at all. They just have the logic that work is for life, or work is for a better life, and they can't live without work.

At this time, the concept of life seems to be just "living" or "survival". Actually, it's not. It is a kind of consciousness. I think there is such a consciousness in our tradition, and the thinking of all people or the vast majority of people is limited by this logic.

Of course, we can't forget such a group of people. They are a group of happy people. In their world, work and life are all arts. They never consider whether they live to work or work to live. Every day, they enjoy it.

There are all kinds of people, some of whom we can't describe vividly.

Life is the whole process of a person's life, and work is only a part of life. Like many aspects of life, without work, it is incomplete and incomplete. Finally, I can understand why some people temporarily give up another part of their lives for work. Life is not just living, living is the foundation of life. Only by living can we really live.

Mastering the relationship between work and life is conducive to our physical and mental pleasure and growth.

Can I pay by credit card?

Yes, you can.

Credit card installment payment refers to the process that when the cardholder uses the credit card to make a large amount of consumption, the bank pays the consumer funds of the goods (or services) purchased by the cardholder to the merchant in one lump sum, and then the cardholder repays the money to the bank in installments and pays the handling fee. According to the cardholder's application, the bank will deduct the consumption funds and handling fees by stages through the cardholder's credit card account.

Extended data

From the form of installment payment, there is a limit on the initial amount of a single transaction for cardholders to handle this business, and the level of installment repayment and the standard of handling fee are also different; It can be roughly divided into three categories:

The first category is the cooperation between banks and special merchants, but the product types are limited;

The second category is the bank's++product catalogue, in which cardholders buy and the bank entrusts suppliers to deliver goods to customers;

The third category is not limited to merchants and commodities. Cardholders can apply for installment repayment from banks after shopping, and some banks even set the acceptance scope to the whole world.

Baidu encyclopedia credit card installment payment

The introduction of credit card shopping installment and credit card shopping installment as one-time deduction ends here. I wonder if you found the information you need from it?