CCB's credit card can be repaid in installments.
At present, CCB has six installment businesses: car purchase installment, decoration installment, merchant installment, consumption installment, bill installment and cash installment. Car purchase installment and decoration installment refer to car purchase installment and house decoration installment, and merchant installment refers to installment transactions between merchants cooperating with CCB. Cash installment is to withdraw cash by credit card and then repay it in installments. Consumption installment refers to applying to the bank for installment repayment before the bill date, and bill installment refers to applying to the bank for installment repayment after the bill is issued.
CCB credit card installment payment method is as follows:
First, CCB credit card SMS application installment. Use the mobile phone number reserved in CCB, edit the short message "last 4 digits of CCZZ# # amount # number of installments" and send it to the official telephone of CCB, and then you can apply for repayment by installments.
Operating environment:
Brand model: Xiaomi 12Pro
System version: Android11miui13.
Application version: v5.6.7.00 1
2. CCB credit card mobile banking by stages. Enter "Mobile Banking of China Construction Bank", click "Credit Card"-"Application for Bill Installment" in turn, and fill in according to the prompts.
Operating environment:
Brand model: Xiaomi 12Pro
System version: Android11miui13.
App version: v 13.2.0. 10
Three. Online installment of CCB credit cards. After logging in to CCB official website with Baidu browser, individual online banking users select credit card inquiry-Select-Inquire about issued bills-Apply for bill installment.
Four, CCB credit card telephone staging. Call the customer service phone of CCB Credit Card to apply by phone, and follow the prompts after entering.
The credit card of CCB can be divided into 24 periods at most. The credit card installment of CCB includes: bill installment, cash installment, car purchase installment and consumption installment. The installment fees of these four periods are different. The installment fees are as follows:
1. CCB credit card cash installment rate: 0.8 1% in the third installment, 0.75% in the sixth installment, 0.75% in the first installment, 0.75% in the first installment, and 0.75% in the 24th installment.
2. Installment rates of China Construction Bank's credit card bills: 0.75% for the 3rd installment, 0.70% for the 6th installment, 0.65% for the 1st installment, 0.60% for the 2nd installment, 0.60% for the 4th installment, and 0.62% for the 4th installment.
Third, the installment rate of CCB's credit card car purchase will depend on the car dealer and model you choose.
Four. The installment rate of credit card consumption of CCB: 0.70% for the third phase, 0.60% for the sixth phase, 0.6% for 10, 0.60% for 12, 0.60% for 18 and 0.60% for the 24th phase.
How does CCB credit card repay by cash installment?
After handling the cash installment of CCB credit card, the cardholder shall repay the arrears on schedule according to the amount listed in the statement of Longka credit card. The cardholder shall fully repay the amount payable in the current period listed in the bill before the due repayment date, and the principal repaid in installments in cash in the current period can enjoy the interest-free repayment period; If the full repayment is not specified in the bill before the due repayment date, the principal paid in cash installments in the current period will not enjoy the interest-free repayment period, and the interest will be collected according to the China Construction Bank Longka Credit Card Collection Agreement from the current billing date. The installment fee and installment principal amount listed in the cardholder's bill are included in the minimum repayment amount of the current period. If the cardholder fails to repay the minimum repayment amount according to the bill, he must also pay the repayment penalty according to the credit card collection agreement.
(In case of business changes, please refer to the actual situation. )
How does CCB credit card repay in installments?
Operating environment:
Brand model: Yijia 10Pro
System version: ColorOSV 12. 1
Application version: v5.6.7
CCB credit card installment payment method is as follows:
1. CCB credit card SMS installment application. Use the mobile phone number reserved in CCB, edit the short message "last 4 digits of CCZZ# # amount # number of installments" and send it to the official telephone of CCB, and then you can apply for repayment by installments.
2. CCB credit card mobile banking by stages. Enter "Mobile Banking of China Construction Bank", click "Credit Card"-"Application for Bill Installment" in turn, and fill in according to the prompts.
3. Online installment of CCB credit cards. After logging in to CCB official website, individual online banking users select Credit Card Inquiry-Select-Inquire about Issued Bills-Apply for Bill Installment.
4. CCB credit card telephone installment payment. Call the customer service phone of CCB Credit Card to apply by phone, and follow the prompts after entering.
CCB Credit Card is a credit card issued by China Construction Bank. The credit cards issued by China Construction Bank are all named "Longka", including: Longka Famous School Card, Longka Business Card and Longka Automobile Card.
knowledge
Annual fee-free policy: swipe your card for 3 times or 18 times (excluding special cards such as business cards and car cards) to avoid the annual fee for the following year.
Withdrawal fee: domestic: 5‰ of the transaction amount, with the lowest 2 yuan and the highest 50 yuan; Overseas: 3% of the transaction amount, with a minimum of $3.
Multi-account management: quota sharing, multiple CCB cards, one billing date and independent repayment.
Online payment: Alipay: it can be used after online registration, with a single payment and a one-day limit of 500 yuan.
Installment business: support interest-free installment for specific merchants (3, 6, 12). After a single consumption exceeds 1000 RMB, you can apply for installment by phone (3,6,0/2,0/8,24), and different handling fees will be generated for each installment according to the number of installments.
Billing date: There are multiple billing dates every month, and the cardholder can change it once a year within the validity period of the card.
Currency: RMB, RMB/USD, RMB/Euro.
interest
Interest-free repayment period: Interest-free repayment period refers to the interest-free period of consumer transactions enjoyed by cardholders who repay in full on time. The interest-free period is from the bank bookkeeping date to the repayment date, with a minimum of 20 days and a maximum of 50 days. Overdraft cash withdrawal transactions do not enjoy interest-free repayment period.
Tip:
If you don't repay in full before maturity, you won't enjoy the interest-free period. The Construction Bank will charge interest at a daily interest rate of 0.5 ‰ and compound interest monthly. The interest-bearing date is from the date of consumption to the date of repayment, and the interest-bearing principal is calculated according to the actual amount payable.
If the repayment is not made before the due repayment date or the repayment amount is lower than the minimum repayment amount, CCB will charge interest as required, and at the same time charge a late fee of 5% of the minimum repayment amount.
How to apply for credit card installment payment of China Construction Bank
The main purpose of China Construction Bank's credit card installment business is to better serve customers. Cardholders can flexibly use the credit line of credit card to withdraw cash, and it is easier to enjoy the repayment in installments of 3, 6, 12, 18 and 24, but they need to apply for it themselves. Let's take a look at the credit card application method of China Construction Bank.
How to handle credit card installment payment of China Construction Bank?
1 Log in to the mobile banking APP of CCB and click Credit Card-Cash Installment.
Log in to the mobile banking client of China Construction Bank and select Credit Card-Cash Installment.
Pay attention to the official account of "China Construction Bank" WeChat, bind the credit card, and click "Credit card-cash installment".
4 swipe your card or read your ID card at the smart teller machine at the outlet, and select "Credit Card"-"Cash Installment".
5 Insert Dragon Card into CCB ATM and select "Credit Card Installment"-"Cash Installment Application".
Bring my ID card and credit card to any branch of CCB for cash installment business.
There are many channels to apply for credit card installment in CCB. Cardholders can choose according to their actual situation. After applying for staging, remember to read the results first. After all, not every applicant can succeed. If the application is unsuccessful, they must repay on time, otherwise it will be regarded as overdue repayment.
So much for the introduction of how to repay credit cards in installments.