How to handle credit card installment in CCB
There are seven ways to handle credit card installment in CCB:
1. Log in to CCB's personal online banking, click on the "Credit Card" page, and select "Card Account Transaction"; Then select "credit card installment"; Then select "Application for Consumption by Stages"; Then click on the transaction records that need to be staged; Then follow the system prompts to apply.
2. Log in to the latest mobile banking client of China Construction Bank, click "Credit Card", select "installment repayment", and then click the "consumption installment" menu to apply.
3. Pay attention to "China Construction Bank" WeChat official account on WeChat, then enter WeChat official account, click the "Credit Card" option, enter the "Business Hall", then click ""on the page, and you can apply through the "Recommend for You-Consumption Staging" menu.
4. Log in to the mobile banking of China Construction Bank and click Credit Card-Bill Installment or Credit Card-One-click Repayment-Installment/Credit Card-Card Service-Bill Installment.
5. SMS application: edit the SMS "CCZZ# last 4 digits # application amount # application period" with the mobile phone number reserved in CCB and send it to 95533.
6. To apply for a smart teller machine, swipe your card or read your ID card at the CCB smart teller machine, and select Personal Business-Credit Card-Credit Card Installment-Bill Installment or click Personal Business-Credit Card-Repayment-Installment.
7. For telephone application, dial 95533 to apply according to the self-service voice prompt. If the application amount is more than 8, yuan, please transfer to manual service.
It should be noted that the installment payment business of China Construction Bank can only be applied when the cardholder spends more than 3 yuan or equivalent in foreign currency, and the application must be made 2 days before the latest bill date (the foreign currency consumption must be within 3 working days after the consumer transaction is recorded in the account).
the process of consumption installment:
1. read the agreed terms of consumption installment business through the website of CCB;
2. Call 4-82-588 (please call 21-3869588 for non-4 service area, and call 86-21-3869588 for overseas service) during the period from consumption to 2 days before the latest bill date (foreign currency consumption must be recorded in the account to 3 working days before the latest bill date);
3. Apply for consumption by stages; Our bank will process the application within 2 days after accepting it, and the audit result will be notified by SMS. Cardholders can also call 4-82-588 (please call 21-3869588 for non-4 service areas and 86-21-3869588 for overseas) for enquiry.
how to handle the installment repayment of CCB credit card
CCB credit card installment can be applied by using mobile banking, and the steps are as follows:
Operating environment:
Brand model: iPhone13
System version: iOS15.3.1
app version: v5.6.7.1
First, enter the ".
second, click "credit card"-"bill installment application" in turn.
third, choose the stages according to the prompts.
credit card installment refers to the process that when a cardholder uses a credit card to make a large amount of consumption, the bank pays the consumer funds of the goods (or services) purchased by the cardholder to the merchant in one lump sum, and then the cardholder repays the money to the bank in installments and pays the handling fee. According to the cardholder's application, the bank will deduct the consumption funds and handling fees by stages through the cardholder's credit card account, and the cardholder will repay them according to the monthly recorded amount.
in the early days of credit card installment payment, banks often advertised under the banner of "interest-free", and many citizens were indeed "fooled". In fact, interest-free is not free, just a different name.
generally speaking, the handling fee for general credit card installment payment for one year is lower than the annual cash withdrawal interest of 18% and higher than the bank's one-year commercial loan interest of 5.31%. It is worth mentioning that the loan interest rate of commercial banks has been lowered many times in recent years, but the standard of credit card installment fee and cash withdrawal interest has rarely changed. Although the standards of credit card installment fees in different banks are different, the calculation methods are roughly the same.
suppose the installment amount is 12 yuan, divided into 12 installments, and 1 yuan is repaid in each installment (month), with a handling fee of .6%/ month, and the actual monthly deduction is 112×.6%=17.2 yuan. If other factors are not considered, the convertible nominal annual interest rate is 7.2%. However, the cardholder does not always owe the bank 1,2 yuan. In the last month, he actually owes the bank 1 yuan, but the bank still charges a handling fee of 1,2 yuan.
according to the calculation, the real annual interest rate that the cardholder has to pay is about 15.48%. According to the correct calculation formula, it should be 12,.6% (1.6%) 12/((1.6%) 12-1) = 13.94 yuan, with an extra 3.2% handling fee for each period.
From the form of installment payment, there is a limit on the starting amount of a single transaction for cardholders to handle this business, and the level of installment repayment and the standard of handling fee are also different; It can be roughly divided into three categories:
The first category is the cooperation between banks and special merchants, but the product categories are limited;
the second category is the bank's catalogue, which is selected by the cardholder, and then the bank entrusts the supplier to deliver the goods to the customer;
The third category is not limited to merchants and commodities. Cardholders only need to apply to the bank for installment repayment after shopping. Some banks even set the acceptance scope as global.
how to repay the credit card of CCB by installment
operating environment:
brand model: one plus 1Pro
system version: ColorOSV12.1
app version: v5.6.7
The credit card installment method of CCB is as follows:
1. CCB applies for installment by SMS. Use the mobile phone number reserved in CCB, edit the short message "CCZZ# last 4 digits # amount # number of installments" and send it to the official telephone number of CCB, then you can apply for installment repayment.
2. CCB credit card mobile banking is divided into stages. Enter "China Construction Bank Mobile Banking", click "Credit Card"-"Bill Installment Application" in turn, and fill in as prompted.
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. credit card telephone installment of CCB. Call the customer service phone of CCB credit card for telephone application, and follow the prompts after input.
CCB credit card is a credit card issued by China Construction Bank. The credit cards issued by China Construction Bank are all named as "Longka", including: Longka Famous School Card, Longka Business Card and Longka Automobile Card.
knowledge
annual fee-free policy: the annual fee for the following year is exempted for the Puka Gold Card for 3 times or 18 times (excluding special cards such as business cards and automobile cards)
Cash withdrawal fee: within China: 5‰ of the transaction amount, with the lowest 2 yuan and the highest 5 yuan; Overseas: 3% of the transaction amount, with a minimum of $3.
Multi-account management: quota * * * Enjoy the same repayment on the bill date of multiple CCB cards independently
Online payment: Alipay: it can be used after online registration, and the single and single-day limit is 5 yuan
installment business: support interest-free installment (3, 6 and 12) for specific merchants. You can apply for installment (3, 6, 12, 18, 24) by phone after a single consumption in 1 yuan, and each installment will generate different handling fees according to the number of installments.
Billing days: there are multiple billing days every month, and the cardholder can change the currency
RMB, RMB/USD and RMB/Euro once a year within the validity period of the card.
interest
within the interest-free repayment period: the interest-free repayment period refers to the interest-free period for consumer transactions enjoyed by cardholders who repay in full on schedule, and the interest-free period starts from the bank bookkeeping date to the repayment date, with a minimum of 2 days and a maximum of 5 days. Overdraft cash withdrawal transactions do not enjoy interest-free repayment period.
Tip:
If you don't repay in full before the due repayment date, you won't enjoy the interest-free period. The Construction Bank will charge interest at the daily rate of .5 ‰ and compound interest on a monthly basis. The interest-bearing date is from the date of consumption to the date of repayment, and the interest-bearing principal is calculated based on the actual amount payable.
if you fail to repay before the due repayment date or the repayment amount is less than the minimum repayment amount, CCB will charge interest as required, and will also charge a late fee of 5% of the unpaid part of the minimum repayment amount.
how to apply for bill installment by credit card of CCB? Five ways to apply quickly
China Construction Bank has always been well received by people. Most people will choose China Construction Bank when applying for credit cards, and people are also very concerned about all aspects of China Construction Bank's credit card business. For example, the bill is in installments. Then, how does CCB credit card apply for bill installment? I will answer your questions today.
1. wechat application
you can pay attention to the wechat public account of CCB credit card, and bind the CCB credit card that you want to pay the bill installment after paying attention to it, then click "Credit Card" in WeChat official account, select "Bill Installment", and then click "Click here, please the applicant" to apply for bill installment for your credit card.
2. Telephone application
You can directly call the customer service hotline of China Construction Bank at 4-82-588 or 95533, and enter relevant information according to the prompts.
Third, SMS application
You can edit the SMS "CCZZ# Last 4 digits # Amount # Period" with your mobile phone number registered at the time of card application, and send it to 95533, so that you can apply for credit card billing in installments.
IV. Online banking application
Customers who have launched online banking can log in to the online banking of China Construction Bank, enter the Credit Card interface, select Credit Card Inquiry, then select Query Billing and click Apply for Billing Staging.
V. Application for Mobile Banking
You can log in to the mobile client of China Construction Bank on your mobile phone, then click "Credit Card" and then click "Application for Billing by Stages".
There are several ways for CCB credit card to apply for bill installment, which are summarized above. These methods are simple, fast and convenient to operate. Friends who want to apply for bill installment for their CCB credit card can follow the above contents.
How to installment CCB's credit card
If you want to handle the installment payment business of CCB's credit card, you can adopt the following methods:
Operating environment: iphone12 China Construction Bank 5.6.1.2
1. Log in to CCB's personal online banking, click on the "Credit Card" page and select "Card Account Transaction"; Then select "credit card installment"; Then select "Application for Consumption by Stages"; Then click on the transaction records that need to be staged; Then follow the system prompts to apply.
2. Log in to the latest mobile banking client of China Construction Bank, click "Credit Card", select "installment repayment", and then click the "consumption installment" menu to apply.
3. Pay attention to "China Construction Bank" WeChat official account on WeChat, then enter WeChat official account, click the "Credit Card" option, enter the "Business Hall", then click ""on the page, and you can apply through the "Recommend for You-Consumption Staging" menu.
It should be noted that the installment payment business of China Construction Bank can only be applied when the cardholder spends more than 3 yuan or equivalent in foreign currency, and the application must be made 2 days before the latest bill date (the foreign currency consumption must be within 3 working days after the consumer transaction is recorded in the account).
1. CCB Credit Card is a credit card issued by China Construction Bank. The credit cards issued by China Construction Bank are all named as "Longka", including: Longka Famous School Card, Longka Business Card and Longka Automobile Card. Annual fee-free policy: the annual fee of the next year (excluding special cards such as business cards and car cards) is exempted for the Puka Gold Card to swipe the card for 3 times or 18 times. Cash withdrawal fee: within China: 5‰ of the transaction amount, with the lowest 2 yuan and the highest 5 yuan; Overseas: 3% of the transaction amount, with a minimum of $3. Multi-account management: quota * * * Enjoy multiple CCB cards with the same repayment on the billing day. Independent online payment: Alipay: it can be used after online registration, and the single and single-day quota are all installment business in 5 yuan: support interest-free installment for specific merchants (3, 6 and 12 installments). You can apply for installment (3, 6, 12, 18, 24) by phone after spending more than a single sum of money in 1 yuan, and each installment will have different procedures according to the number of installments. Billing date: There are multiple billing dates per month, and the cardholder can change them once a year within the validity period of the card. Currency: RMB, RMB/USD, RMB/Euro
2. During the interest-free repayment period: the interest-free repayment period refers to the interest-free period for consumer transactions enjoyed by cardholders who repay in full on schedule, from the bank bookkeeping date to the repayment date, with a minimum of 2 days and a maximum of 5 days. Overdraft cash withdrawal transactions do not enjoy interest-free repayment period.
3. Tip: If you fail to repay in full before the due repayment date, you will not enjoy the interest-free period. The Construction Bank will charge interest at the daily rate of .5 ‰ and compound interest on a monthly basis. The interest-bearing date is from the date of consumption to the date of repayment, and the interest-bearing principal is calculated based on the actual amount payable. If you fail to repay before the due repayment date or the repayment amount is less than the minimum repayment amount, CCB will charge interest as required, and will also charge a late fee of 5% of the unpaid minimum repayment amount.
Can CCB credit card apply for installment?
CCB credit card can apply for installment, which can be applied in four ways: WeChat application, SMS application, mobile banking application and online application.
1. WeChat applies for
paying attention to the public account of "CCB Electronic Banking";
bind the credit card and click Credit Card-Bill Installment-Click here to apply for installment.
2. SMS application
Use the mobile phone number reserved in CCB, edit the SMS "Last 4 digits of CCZZ # Amount # Period" and send it to 95533 to apply for installment repayment.
3. Mobile banking application
Enter "China Construction Bank Mobile Banking", click "Credit Card"-"Bill Installment Application" in turn, and then fill in as prompted.
4. Online application
To log in to CCB official website, individual online banking users should click Apply for bill installment, and select "Credit card inquiry-select-inquire about issued bill-apply for bill installment".
after entering the credit card channel, registered users click to apply for bill installment and select "-issued bill-RMB-apply for bill installment".