The installment pass is for customers with good credit record, stable professional income and normal consumption behavior, and is awarded in advance by our bank in special installments.
Pre-credit line is used to meet the daily large-scale consumer credit demand, and the installment payment business that customers can spend at designated merchants after successful handling. Business covers a wide range of consumer areas, such as large-scale durable goods consumption, wedding, parenting, settling down, tax payment, health and so on. Generally, you can choose 6/12/18/24/36/48/66 (month) to pay the handling fee for the corresponding period.
In fact, it is a consumer installment loan business with reasonable interest, which is more suitable for people who need funds.
The service fee payable by the cardholder in each installment = actual installment amount x monthly service fee rate. According to the number of transaction periods, the handling fee will be recorded monthly from the first billing date after the transaction is completed, and will be fully included in the minimum repayment amount of the credit card. If the bill is paid in full before the due date.
You can enjoy the interest-free treatment of the current repayment amount listed, and you can repay the principal in installments in the current month without interest.
Installation process:
1. Download the latest version of the mobile phone (both Android and Apple are available), log in to the China Construction Bank APP, and click the credit card in the navigation bar.
2. In credit card management, you can find the button option of installment payment.
3. After clicking Enter, you can generally see your pre-approval amount, and then click Apply to enter the data supplement stage.
4. According to the steps and operation tips, supplement relevant information, and finally submit the application for audit completion.
5. There will usually be a return visit.
6. After the application is successful, you will be sent a special card for installment, and you will receive a loan message, and then this installment will be dedicated.
The card can be swiped to the designated merchant type for consumption.
Because it is a special card, it can only be charged within the merchant type and consumption period stipulated by CCB.
There are several points to note when applying:
1. After the application is submitted, there will be a telephone call back, so it is definitely enough to check the credit. Don't waste time if the credit inquiry fails.
2. The installment product has a high credit line of 300,000 yuan, the longest is 60 months, that is, 5 years, and the interest is reasonable.
3. CCB cares about credit reporting and multi-head credit granting. In the past, it was easy to refuse to apply for five credit cards at the counter. I don't know.
What is the current situation? Listen to the students' feedback, and there will be some relaxation.
4. After the quota application, it will be used up within 60 days, otherwise the remaining quota may be recovered.