With my ID card and card, I can go to the counter of the bank where my credit card belongs to handle the prepayment.

You can also deposit your money in a credit card and call the customer service phone on the back of the credit card to apply for prepayment. The customer service will operate prepayment to end the installment. Under normal circumstances, the repayment order of credit card is to pay the bill first, and then not to pay the bill. The rest of the money becomes "overpayment", and credit card consumption will default to paying the overpayment first.

The installment payment of China Merchants Bank's credit card is divided into the following categories:

1. Shopping center installment payment

When cardholders go to shopping places, such as "shopping malls", they can shop by stages. When you check out, you need to pay by installment with a credit card supported by the mall. Then the cashier will swipe the card on the special POS machine according to the number of periods required by the cardholder (such as 3 periods, 6 periods, 12 periods, etc.). There are also a few shopping malls that support the 24 th issue).

2. mail order installment payment

The cardholder receives the installment mail order catalog manual sent by the issuing bank and chooses from the limited goods. Then, order through online installment mall, telephone or fax mail order installment application form, etc. And mail order installment is generally free regardless of the number of installments.

3. Bill installment payment

After spending by credit card, you can apply to the issuing bank by phone or other means before sending the monthly bill. However, it should be noted that banks will stipulate some special circumstances, such as speculative credit cards can not be successful in installments.

Advantages of China Merchants Bank Credit Card:

1. Credit card points play a great role.

Compared with credit card points of other banks, credit card points of China Merchants Bank can realize many functions, exchange more products and cash out.

There are many national outlets.

China Merchants Bank has many online stores. Compared with other joint-stock banks, China Merchants Bank has many online stores, especially in large, medium and small cities. Very convenient.

3. There are many offline activities

Compared with other banks, China Merchants Bank's credit cards have much more offline activities, and the high shopping points can also be discounted, which not only meets the needs of customers but also saves customers a sum of money.

4. Credit card application is very convenient.

It is very convenient for China Merchants Bank to handle credit cards, not only in online shopping malls, but also on mobile phones, telephones, WeChat, websites and at the door of salesmen.

5. Complete card type

There are many types of credit cards in China Merchants Bank, and there are different types of cards for different customers, which can bring the greatest convenience to customers.

6. installment payment is very convenient

At present, many online and offline shopping malls support the installment payment of China Merchants Bank, which not only has low handling fees, but also has low interest.

7. Value-added group buying activities

Customers with CMB credit cards can often enjoy the group buying activities of CMB credit card customers. The products are very rich and the prices are absolutely favorable.

How to repay in advance by credit card installment?

Apply to the bank for prepayment first.

1. If you want to return the credit card in advance, you need to call customer service first to apply for the phased end service. After application, you need to pay the installment amount and installment fee in one lump sum. At present, the order of credit card repayment is to issue tickets first and then issue tickets.

1. Early repayment means that the borrower applies to the bank to repay part of the loan in advance, and ensures that it is not overdue last month and repays the loan in the current month; Repay the loan in whole or in part according to the date stipulated by the bank.

2. Prepayment is generally divided into two ways: partial prepayment and full prepayment. According to the repayment method, the borrower can choose to reduce the mortgage loan by term or amount. It is understood that at present, most banks offer five prepayment methods for customers to choose from. The first is full prepayment, that is, the customer pays off all the remaining loans in one lump sum (no interest needs to be repaid, but the interest paid is not refundable). The second type is partial prepayment, and the monthly repayment amount of the remaining loans remains unchanged, shortening the repayment period (saving more interest). The third is partial prepayment, and the remaining loans will reduce the monthly repayment amount and keep the repayment period unchanged (reducing the monthly payment burden, but the degree of saving is lower than the second one). The fourth category, partial repayment in advance, the remaining loans will reduce the monthly repayment amount, shorten the repayment cycle (save more interest). Fifth, maintaining the total principal of the remaining loans will only shorten the repayment period (the monthly payment will increase and the interest will decrease, but it is relatively uneconomical). Financial experts suggest that early repayment should minimize the principal, shorten the loan period and reduce interest expenses.

3. If it is confirmed that the lending institution repays part of the housing loan in advance, it shall be calculated according to the interest-bearing repayment method determined in the original loan contract. The principle of "giving priority to interest, decreasing in equal amount every month, and shortening the repayment period" is to recalculate the loan balance and the final repayment period after repaying part of the loan in advance, re-print the "Monthly Debt Service Statement" and re-sign the "Loan Amendment Contract" with the borrower. The loan interest decreases with the decrease of the principal. So how can we pay less interest? One way is to choose the average capital repayment method before the loan. Because the "average capital repayment method" repays a large amount of principal in the early stage, when you repay it in advance, the interest loss is small. However, the "equal principal and interest repayment method" will suffer certain losses due to high interest and low principal in the early stage when repaying in advance.

How to repay in advance by credit card installment?

After the credit card is successfully divided into stages, it cannot be modified, and only prepayment can be selected. It should be noted that if the installment is settled in advance, it is generally necessary to repay the remaining unpaid principal and the remaining installment fee in one lump sum. The installment fee cannot be reduced, and the installment fee paid in the past is not refundable. Even some banks will charge a certain penalty for canceling the credit card installment business (specifically, according to the regulations of the issuing bank, you can call customer service).

How to repay in advance by credit card installment?

If the credit card needs to be repaid in advance by installments, the customer can call the hotline of the issuing bank, apply to the customer service staff through the manual service channel, and then refund the card, and the banking system will naturally initiate the deduction.

Of course, customers can also find the installment bill directly on the online banking/mobile banking client/credit card APP of the issuing bank, and then apply online to terminate the installment in advance.

If there is an offline business outlet of the issuing bank near your place of work and life, then the customer can bring his personal ID card and credit card to the outlet to find the counter staff to handle the prepayment procedures.

Is there a penalty for prepayment by credit card installment?

Whether the prepayment of credit card by installment will charge liquidated damages mainly depends on the regulations of the issuing bank. Different banks may have different rules.

For example, in China Construction Bank, if the customer applies to terminate or cancel the bill/consumption/cash installment in advance, the remaining unpaid principal will be included in the next bill in one lump sum, and the customer can repay the remaining principal and installment fee before the bill is due for repayment (the installment fee received will not be refunded). Another example is China Industrial and Commercial Bank. If the installment transaction with installment fee is repaid in advance, it is necessary to pay liquidated damages.

Will the available balance of prepayment after credit card installment increase?

After credit card installment payment, the available balance of prepayment will increase. Users can choose to return the current installment amount in advance, or they can choose to pay off all the remaining installment amounts at one time. After the repayment is received, the credit card available amount will be restored in real time, so that the user's credit card available balance can be improved.

If the credit card installment fee is charged at one time, the user will not refund the prepayment fee, so it is not necessarily cost-effective for the user to prepay.

How to repay in advance by credit card installment

First of all, when you want to refund the interest on your credit card, you need to know whether your situation meets the requirements. For example, due to a breach of contract due to force majeure, the unpaid overdraft amount is charged with compound interest and related service management fees, and the interest can be demanded to be returned.

Call the credit card center first and apply for a refund of the credit card penalty. If the bank doesn't agree, you can call the bank or complain at the CBRC, and the overcharged interest can definitely be refunded. Because of excess interest, liquidated damages, penalty interest, etc. If they exceed the red line, they can't get legal support and can complain back.

To sum up, the liquidated damages caused by the bank's inaction or bank's fault, including those caused by special circumstances, can also be appealed. For example: accidents, stolen brushes, etc. Unreasonable expenses can be refunded.

1. Can credit cards be repaid in advance by installments?

Installment repayment cannot be revoked. Users can choose to prepay, but they must first apply to the customer service of the issuing bank. After the operation there is completed, the amount that the user needs to repay will be all calculated and directly included in the next bill, which will be paid off by the cardholder.

If you just want to pay back a certain issue in advance, you can go directly to the mobile banking, click on the credit card to pay back, and choose the one that is paid back in advance, and it will be fine directly. If a large amount of prepayment is required, the arrears must be settled in one lump sum.

You can't pay in full before the customer service calculates your outstanding amount. This is the rule of banks, which is basically what banks do. The benefits of early repayment are not many, at most, it is to survive prematurely and release the amount occupied by the arrears by the way.

2. Does prepayment by credit card affect credit reporting?

As we all know, installment repayment itself is not a credit report. This is just a normal repayment method, and it is not linked to credit reporting. Unless you are overdue in installments, the information will be transmitted to the Credit Information Center of the People's Bank of China.

When you pay off your debts in advance, it will not affect your credit information. After all, it is an inherent service of banks. However, although you let the bank collect the arrears in advance, it seems to be a beautiful thing, but it is actually a breach of contract.

Although this behavior does not belong to the credit report, it may be subject to liquidated damages. And everyone repays in advance in installments, mostly to save fees. Unfortunately, it is impossible to pay off the debts in advance. It doesn't save money, but it may cost more. What's going on here?

Can credit cards be repaid in advance by installments?

3. Is there a handling fee for prepayment by credit card installment?

Some banks will charge a penalty of about 3% of the principal for users' prepayment. This principal refers to the undistributed principal amount. If there is still 1 0,000, 300 yuan handling fee will be paid this time.

Besides, we should pay attention to the following two points:

1. Handling fee received

No matter whether it is a bank that collects the installment fee at one time or you pay it back at one time, no matter how much installment fee you give to the bank, it will not be refunded to you. Even if you regret it in stages the next day, you can't get it back when you go to the bank to get the handling fee back.

2. Repayment expenses

For the case that you repay the principal together with the first installment, if you paid the 330 yuan service fee at 50,000 cents 12 installment every month, and now there is 10 installment left, you must pay back the remaining 3,300 yuan.

In short, it is the rogue routine of the bank. No matter how many installments you pay, every penny is indispensable for the money that should be paid in normal installments. Those that have been paid will not be refunded. It is very important to divide the appropriate number of periods, and a large amount of handling fees will be wasted if you are not careful.

This is the end of the introduction of how to prepay credit cards in installments and how to prepay interest in installments. I wonder if you have found the information you need?