Icbc credit card installment refers to the installment payment when purchasing goods or consumer services. Specifically, different staging schemes can be selected according to consumers' needs, which are generally divided into three stages, six stages, 12 stages, etc. The more installments, the less the repayment amount per installment. Staging consumption can increase consumers' spending power and bring more flexible payment methods to consumers.

The advantage of ICBC's credit card installment is that installment payment can spread the burden on consumers and lower the threshold for buying a certain commodity or enjoying a certain service. Installment payment can also help consumers increase the credit card limit, repay in advance at an appropriate time, shorten the installment time and reduce interest expenses. The disadvantage is that installment service will generate additional handling fees and interest expenses, which may eventually make consumers pay higher total costs. In addition, if consumers can't seriously control their consumption behavior, installment payment may also lead to excessive consumption and arrears.

If consumers want to apply for ICBC credit card installment, they can do so through ICBC online banking, mobile banking and ICBC business hall. When applying, you need to provide personal basic information, staging scheme selection, detailed information about purchasing goods or enjoying services, etc. After the application is approved, the repayment can be made on schedule in the installment cycle, and the repayment method is generally automatic bank deduction, which is convenient and simple. It should be noted that consumers should be cautious when choosing the installment plan to ensure that they can bear the amount of repayment in each installment and will not fall into a long-term debt state because of installment service.