Credit cards are interest-free as long as they are repaid on time. If you apply for installment repayment by credit card, generally credit cards need to pay installment fees, which are actually interest charges. So what are the credit cards with low installment interest? Let’s find out together.
What are the credit cards with low installment interest?
1 Industrial and Commercial Bank of China Credit Card: To apply for a credit card, you must be over 18 years old and have full capacity for civil conduct. After applying for a credit card, the card can generally be collected within 15 calendar days (excluding statutory holidays). For non-physical digital credit cards, the approval and account opening are usually completed in 1-2 minutes at the fastest. Please refer to the actual results.
2 Industrial Bank Credit Card: 18 to 60 years old (online self-service application requires 21 to 55 years old). Eligible people can get the card about 2 weeks after submitting their credit card application information.
3 Bank of Communications Credit Card: Applicants for the main card must be 18-60 years old and have full capacity for civil conduct; applicants for the supplementary card must be 11 years old or above, and there is no upper age limit. After applying for the card, you can activate it and use it. The limit in the card is based on the assessment of the applicant's repayment ability.
4 Bohai Bank Credit Card: You need to be between 18-65 years old (if you are an overseas person, you need to be between 25 years old (inclusive) and 65 years old (inclusive)), and your personal credit status is good. You can bring your original identity certificate, work certificate and relevant financial certificates to the nearest branch to apply, or you can apply online.
5 Construction Bank Credit Card: A natural person with full capacity for civil conduct, over 18 years old and under 70 years old, with a stable career and income, good credit status, and the ability to repay principal and interest on time. It takes about 5 working days for customers with a card to apply and mail the card. New customers who are approved (general approval time is 10 days) will receive an interview text message and a card letter after 3-5 working days.
6 Agricultural Bank of China Credit Card: You must be over 18 years old, have full capacity for civil conduct, and have good credit standing. After the credit card is approved, the card will be issued and mailed by the Credit Card Center of the head office. Regular and gold cards are sent by registered mail, and it takes 3 working days to produce the card. The mailing time is generally about 7 days, subject to the delivery situation of the local post office. Platinum cards and set cards are sent by EMS express. It takes 3 working days to produce the card. The mailing time is generally about 3 days, subject to the delivery situation of the local post office.
7 Guangfa Bank Credit Card: The main cardholder is between 18 and 65 years old, the supplementary cardholder is between 16 and 65 years old, and the annual income reaches the local average level. Credit card applications generally take 2-10 working days from submission to data entry, and review is completed within 7-10 working days. You can check the card application progress 10 working days after submitting the card application form, and the review results will be notified via text message.
8 China Merchants Bank Credit Card: Credit card applicants should be over 18 years old (inclusive), and foreigners should be over 25 years old (inclusive). It is best to provide some financial proof, such as: documents proving the property rights of self-owned goods (Real estate certificate, house purchase contract, bank mortgage loan certification documents, formal house purchase invoice, etc.) Own vehicle certification documents (own vehicle driving license, bank car loan certification documents).
9 Postal Bank Credit Card: The main card applicant must be between 18 years old and under 65 years old (including 65 years old). It is recommended to fill in your personal information completely. If you have a Postal Bank credit card before, you can immediately submit your information to apply for other Postal Bank credit cards. Whether the credit card application can be passed depends on the comprehensive assessment.
Apply for a credit card that suits you. The threshold is low, the efficiency is high, the limit is high, and the approval rate is high. Credit card entrances for major banks: Everbright Bank Credit Card Application for free, quick pass, high pass rate. Apply for this The Guangfa Bank credit card is free of annual fees for the first year, and the annual fee is waived for the following year if you make 6 transactions.
Apply for this card. China Merchants Bank Credit Card. A variety of personalized card options and various consumer rights. Apply for this card. Minsheng Bank Credit Card. Easy to apply for the card. High credit limit. No annual fee. Apply for this card. CITIC Bank Credit Card. Various cards. Various rights and interests. Apply for this card. Ping An Credit Card. Car owner rights card, video rights card, travel rights card, king co-branded card, choose to apply for this card with various rights and interests. Huaxia Bank Credit Card is the choice of young people, popular, classic and high-end Huaxia various cards. Choose to apply for this card. Shanghai Pudong Development Bank Jingdong PLUS The first swipe of the co-branded card will give you a PLUS annual membership card with no annual fee. If you spend 6 times, you will be free of charge. Apply for the Shining-themed Shuning Gold Card (Wukong Edition) in the following year to get a free annual fee with the swipe of the co-branded card. It is exclusive to young people. Apply for the VISA Sunshine Business Travel Shuning Credit Card to waive the annual fee for swiping the card, waive the annual fee for the first year of approval, and waive the annual fee for the following year if you swipe 3 transactions or accumulate a total of 2,000 yuan in spending. Apply for this card Everbright Fashion Shuyu Credit Card C-position debut, exclusive for goddesses Apply for this card Sunshine Yiren Town Jin Shuning Credit Card Understands your elegance and understands you Yiren Card Apply for this card Everbright Rural Revitalization Charity Theme Shuning Credit Card New users can enjoy an instant discount of 110 yuan Apply for the Golden Gift Pack Sunshine UP Unbounded Credit Card to save money, spend money, and live your life. Apply for the Minsheng Yufu Co-branded Credit Card to waive the first-year annual fee. If you make purchases using the card in the current year, the annual fee for the next year will be waived. Apply for the Ping An Bank Platinum Credit Card to waive the annual fee for the first year. , consumption can be waived for the next year's annual fee. Apply for the card. Apply for the Guangfa Tmall Supermarket Co-branded Card. Apply for the Taobao Tmall Shopping Discount Card. Apply for the CITIC Bank Credit Card. JD.com PLUS Co-branded Card. Send Jingdong PLUS members. Apply for the card. CITIC Bank Credit Card - Yan Card Series has a maximum limit of If you reach 100,000, you can enjoy 50% off the annual fee by swiping the card. Apply for this card
General banks have fixed installment fee rates, and different installment rates are applicable to different installments. Yes, please refer to the bank’s regulations for details.