Customers can apply for this service through the designated credit card of 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 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 within the options provided by Bank of Communications.

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

Extended data:

This credit line does not apply to real estate transactions and other projects designated by Bank of Communications from time to time according to customers' consumption choices, regulatory provisions and risk policies.

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

The number of installments shall be calculated from the first billing cycle after the installment transaction is recorded. The installment principal repaid by installment and the bookkeeping amount after the cancellation of installment do not enjoy the minimum repayment amount, and the customer should repay this part of the arrears in full every month.

Bank of Communications-Bank of Communications Pacific Credit Card enjoys loan business terms and conditions.

How to handle the installment payment by credit card of Bank of Communications?

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

Introduction of credit card installment payment in Bank of Communications

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

1. Divide if you want: To handle the installment business, the cardholder needs to apply by logging in to the online banking of SMS Password User Edition or Certificate User Edition or calling the 24-hour customer service hotline of the credit card center within 2 days after the transaction date and 3 days after the due repayment. Stages can be freely divided into 3, 6, 9, 12, 18 and 24 months.

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 personal credit and provide relevant materials on the spot, you can complete the installment application on the spot and take your favorite goods home. For large installment, you can also enjoy a long repayment period discount of four months ~

3. Mail-order installment: You can complete the installment payment transaction with merchants thousands of miles away without on-site credit card swiping. There is no interest and no handling fee, and the goods can be delivered directly to your door.

Second, the Bank of Communications credit card installment notice

1. Not all transactions can be paid in installments. According to the installment clause of "Divide with You" bill, the following transactions cannot be handled by installments:

1 Cash advance transaction, installment transaction, real estate transaction and various fees (such as annual fee, interest, late payment fee and other credit card fees);

2. Other projects designated by Bank of Communications.

2. The installment amount is limited, and the installment amount shall not be higher than the credit line. Neither depositing into a credit card nor temporarily increasing the credit limit can increase the maximum amount of installment transactions.

How to stage the Bank of Communications credit card? How to calculate the 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. 0.7% in the third phase; 0.7% in Phase 6; 12 0.6%; 18 0.6%; 0.6% in 24 periods; Handling fee = installment interest 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 payment between the transaction date of 19:30 and the billing date of the bill corresponding to the transaction. For bills that have been issued, you can apply for installment from the day after the billing date to the due repayment date (for customers with automatic repayment in the account, the deadline for application is due repayment date 17:00). 2. Application conditions for bill installment The applicant must hold a personal bank credit card, have a good record of using the card, and have no delay in repayment in the current period. Customers who only hold business cards, business cards, purchasing cards, ANA protection cards or supplementary cards cannot apply for bill installment for the time being. 3. The application amount for bill installment shall be applied for RMB bill installment, and the minimum application amount shall not be less than 300 yuan RMB each time; For the installment payment of USD bills, the minimum application amount shall not be less than USD 65,438+000 each time. After the installment of RMB or USD bill is successful, the principal and handling fee of each installment will be credited to RMB account, that is, the installment amount of USD bill will be converted into RMB at the exchange rate specified at the time of application. Note: Cardholders can apply for 3, 6, 9, 12, 18, 24 and other installments within the scope allowed by the bank, once a month, counting from the first installment after successful application.

So much for the phased introduction of traffic credit cards.