Recently, a card friend of Guangfa Bank said that he was divided into stages. It turns out that this bank still hides such a loophole, and the full amount will be automatically phased!

The so-called automatic installment means that when the credit card consumption of each bill reaches the agreed amount, the bank will automatically regard it as installment. And when you find something wrong, you want to cancel it. Sorry, you have to pay all the handling fees.

Here is a question. Did the bank inform the customer that the notice was in place? Many times, we didn't care about the casual words of the bank customer service, and some business began. We should be careful ourselves and not be careless.

This automatic staging is generally used by people who have used staging business. It's hard to say whether the business that the bank opened for you was justified in the end when you first handled the installment.

Like this user, it was finally cancelled in stages, and the handling fee for the bill was also cancelled. However, if there are more people, there is no way to complain, so we must be cautious.

At present, many banks have automatic installment business, such as ICBC, China Merchants Bank, Xingye, China Construction Bank, ICBC and China Everbright.

But not every bank can clearly tell you to open this business. Because the installment fee is quite high, the bank clerk also has to eat.

In fact, in Khufu's view, automatic staging is really an unnecessary business. It's really not enough, you just need to manually divide it into stages, and you can calculate how many stages and whether you need a small loan. It's cost-effective!

In addition, regarding the installment of bills, you should know:

1. There is a handling fee for the bill installment.

There will be a certain handling fee for the credit card to handle the bill installment business. The installment fee rate is different from bank to bank, and the rate may be different in different periods. That's why banks always invite you to pay in installments and use the amount as bait. The installment fee is really high.

2. The installment payment amount is limited.

Not all the consumption amount in the credit card bill can be phased, and there are upper and lower limits. Usually, the installment amount cannot exceed 90% of the total amount of the current period and not less than 500. Some banks can pay the full amount in installments.

3. The installment amount will occupy the consumption quota.

After handling the credit card bill installment business, the installment amount will occupy the consumption quota, and the quota will be restored after each installment.

4. Temporary lines cannot be staged.

Temporary credit card limit cannot be used for installment business. The temporary limit must be paid off in one lump sum, and there is no minimum repayment amount. Failure to repay in time will affect personal credit history.