How to apply for installment with CITIC Credit Card
1. Call the customer service number of CITIC Bank Credit Card Center, and after being transferred to the manual customer service, select the number of installments or the amount according to the staff prompts, and then you can handle it;
2. Go to the official website of China CITIC Bank Credit Card with your browser, and then click "My Account" → My Bill Inquiry → Current Bill Inquiry → Select the card, click Apply for Bill Installment, and then set the installments you want to make. For the number of installments, just submit the application;
3. Follow the CITIC Bank Credit Card WeChat official account on WeChat. After entering the official account, click "Service Hall", and then select the installment type in the loan installment column, such as bill installment, appointment Installments, etc., then fill in the relevant information according to the jump page, and submit the application after completing the follow-up process;
4. The card host goes to the bank counter with his or her valid ID and card to apply.
Credit card bill installment payment is one type of credit card installment payment. This type of installment payment means that the credit card holder requests the credit card center to return the consumption amount to the bank in installments after using the credit card to swipe the card.
Credit card bill installment payment is the simplest method of installment payment. You only need to call the bank's credit card center or log in to personal online banking to apply between the time the card payment is credited and the due date of repayment. You can pay in installments, and generally you can get approval as long as you don't have a bad personal credit record.
The minimum repayment amount is the minimum amount that needs to be repaid in the current month when using revolving credit. The minimum repayment amount is listed on the current bill. The minimum repayment amount for each period is calculated as: Minimum repayment amount = 10 All general transactions on the credit card account 100 Amount of all outstanding installment transactions in the account in a single period 100 The unpaid portion of the minimum repayment amount in the previous period 100 Exceeds the account credit limit 100 fee and 100 interest on all funds used.
Bill installments can generally be applied for by calling the customer service center or telephone banking of the card-issuing bank. ICBC cardholders can apply for installment payment at any ICBC branch, ICBC online banking, telephone banking and mobile banking. China Merchants Bank can apply for installment payment at Apply for the bank's online banking. Relevant personnel from China Construction Bank reminded cardholders that although various banks have launched bill installment payments, it does not mean that every cardholder can pay in installments through credit cards.
Banks generally evaluate the credit status of cardholders based on their credit limit, credit history of cardholder purchases, etc. Only when the evaluation is passed can the cardholder make smooth installment payment; if the evaluation result is not satisfactory, the bank may reject the cardholder's installment application, or may not be able to grant the cardholder the installment payment amount he wants. Cardholders can apply for installment by phone after fully considering their own financial situation.
The minimum consumption amount applied for installment by various banks is basically between 500 and 1,500 yuan, including 600 yuan for ICBC, 1,000 yuan for China Construction Bank, Bank of China, and China Merchants Bank, and 1,500 yuan for Bank of Communications (Y-power card) (single payment is 500 yuan), CITIC is 1,200 yuan, while Agricultural Bank of China and China Guangfa Bank stipulate that a single payment of 500 yuan or more can apply for installment. China Everbright Bank has no requirement on the amount. As long as the cardholder uses the designated card, the bill will be automatically divided into 12 installments.
Can CITIC Bank credit card be repaid in installments?
Yes.
CITIC Credit Card can be repaid in installments. You can apply directly to a nearby CITIC Bank branch with your ID card and bank card.
Four types of installment payment methods with CITIC Bank credit cards:
1. Shopping mall installments of CITIC Bank credit card installments
Shopping mall installments are CITIC Bank credit card consumer credit services One is that when CITIC Bank credit card holders make purchases, they can choose to divide the total price of the purchased goods or services into several equal installments (months) and pay in installments. Repay the amount on time according to the credit card bill in each period (month). When the cardholder chooses to go to an installment merchant store specially appointed by CITIC Bank and complete the installment payment through a designated POS machine, it is called "mall installment payment" or "mall installment" for short.
2. CITIC Bank Credit Card Installment Mall Installment
CITIC Bank Credit Card Mall Installment Business means that cardholders use their credit cards to purchase designated goods at contracted merchants through CITIC Bank Credit Card Mall. After approval by China CITIC Bank, the merchant will be notified to deliver goods to the cardholder, and the amount of the purchased goods will be divided into several installments, and the cardholder will repay the payment monthly within the agreed period.
3. CITIC Bank Credit Card Installment Bill Installment
CITIC Bank Credit Card Bill Interest-free Installment Business provides customers with interest-free installment services for repaying the current bill amount. After paying a certain handling fee, 90% of the current bill amount can be divided into installments according to the number of installments requested by the customer and repaid in equal amounts starting from the next billing cycle, without the need to pay interest due to incomplete repayment.
4. CITIC Bank Credit Card Free Installment Payment
CITIC Bank Credit Card Free Installment Business provides customers with interest-free installment services for repaying single purchases that have not yet been billed. After paying a certain handling fee, the customer can repay a single consumption amount that has not been billed in the current period in equal installments according to the number of installments applied by the customer, and does not need to pay interest due to incomplete repayment.
CHINACITICBANK, formerly known as CITIC Industrial Bank, was founded in 1987 and changed to its current name at the end of 2005. CITIC Bank is one of China's national commercial banks, headquartered in Beijing.
The major shareholder is CITIC Corporation of China. Spanish Bank of Spain (Banco Bilbao Vizcaya Argentaria, S.ABBVA) spent 501 million euros (approximately HK$5.02 billion) to purchase the equity of CITIC Bank 5, and also had the option to increase its shareholding ratio in CITIC Bank to 10.07. On April 27, 2007, CITIC The bank is listed on the Shanghai Stock Exchange. CITIC Bank is the seventh largest bank in mainland China, with total assets of more than HK$1.2 trillion, more than 16,000 employees and more than 540 branches. It is one of the six lines and three guarantees for Chinese financial stocks in Hong Kong.
How to pay in installments with CITIC Bank credit card
CITIC Bank credit card cannot be paid in installments.
Relevant regulations for CITIC Bank credit cards:
1. The merchant will submit the payment slip or cash withdrawal slip signed by the cardholder to the acquiring bank, and settle the account with the acquiring bank to recover the advanced funds.
2. Through the electronic payment network established by the bank and the magnetic stripe reading and manual password input of the card, cardholders can realize card consumption, ATM cash withdrawal, transfer, various payment and other functions. The charge made by the card is equal to the reduction in the balance in the savings account. The account balance is zero and the card's payment function is reduced to zero. Applying for a debit card is very simple and does not require bank approval. Generally, it can be applied and withdrawn immediately.
3. Go to any bank branch with your valid ID. A current account must be opened first. The account balance must not be less than 10 yuan. Accounts that do not draw money based on seals. Accounts that are not reported lost or frozen, and the account status is normal.
4. Debit card fees mainly include annual fees, small account management fees, loss reporting fees, new card processing fees, cash withdrawal fees (including local inter-bank, non-local inter-bank, non-local inter-bank, overseas ATM, Hong Kong and Macao regions) , transfer fees (including non-local bank, non-local inter-bank, local inter-bank, and overseas wire transfer), online banking transfer fees (including non-local local bank, non-local inter-bank, local inter-bank, and overseas remittance).
5. A consumer service tool provided for savers. In shopping malls, hotels, entertainment venues, public service venues, etc. that already have POS terminals on the bank card network, debit card users can use their accounts to make purchases without using cash.
User consumption and payment There is no limit on the amount and no handling fees. But the account cannot be overdrawn. In addition, Savings has also launched a mobile phone bill payment service and a phone wallet payment service. Payment is easy and flexible. It is more convenient to pay bills anytime and anywhere 24 hours a day.
Therefore, CITIC Bank credit card cannot be paid in installments.
Extended information
Functions of CITIC Bank credit cards:
1. Gathering function
General accounts guide the gathering of many dispersed small amounts of funds Become a capital function that can be invested in social reproduction. Here, the stock market plays the role of a "reservoir" of funds.
2. Allocation function
The allocation of resources, general accounts transfer resources from low-efficiency utilization departments to high-efficiency departments, so that the economic resources of a society can be most effective Allocate resources to the most efficient or most effective uses to achieve rational allocation and effective utilization of scarce resources.
3. Adjustment function
The adjustment effect of personal accounts on the macro economy. The stock market connects savers on one side and investors on the other. The operating mechanism of the stock market works by affecting savers and investors.