Bank of Communications, like all banks, also provides installment payment services for credit card holders, but there are many ways of installment payment business in this bank, and different ways of handling them are also different. Let's introduce the related matters of credit card installment service of Bank of Communications.

Introduction of credit card installment payment in Bank of Communications

There are three main payment methods provided by Bank of Communications: installment, installment and mail order installment. Different ways of installment payment are different, as follows:

1. Divide if you want: To handle the installment business, the cardholder needs to apply by logging in to the online banking of SMS Password User Edition or Certificate User Edition or calling the 24-hour customer service hotline of the credit card center within 2 days after the transaction date and 3 days after the due repayment. Stages can be freely divided into 3, 6, 9, 12, 18 and 24 months.

2. installment treasure: if you want to handle this business, it doesn't matter even if you don't have a credit card. As long as you rely on personal credit and provide relevant materials on the spot, you can complete the installment application on the spot and take your favorite goods home. For large installment, you can also enjoy a long repayment period discount of four months ~

3. Mail-order installment: You can complete the installment payment transaction with merchants thousands of miles away without on-site credit card swiping. There is no interest and no handling fee, and the goods can be delivered directly to your door.

Second, the Bank of Communications credit card installment notice

1. Not all transactions can be paid in installments. According to the installment clause of "Divide with You" bill, the following transactions cannot be handled by installments:

1 Cash advance transaction, installment transaction, real estate transaction and various fees (such as annual fee, interest, late payment fee and other credit card fees);

2. Other projects designated by Bank of Communications.

2. The installment amount is limited, and the installment amount shall not be higher than the credit line. Neither depositing into a credit card nor temporarily increasing the credit limit can increase the maximum amount of installment transactions.

What is the process of installment payment of Bank of Communications?

1. Use the Bank of Communications credit card to spend RMB 1500 yuan or USD 100 or more in a single transaction;

2. Call the Bank of Communications credit card at 400-800-9888 to inform the customer service staff of the transaction information between 2 days after the credit card transaction and 3 days before the due repayment date;

3. After a simple review, the customer service specialist can inform you that the application is successful. Bank of Communications credit card installment payment is interest-free and does not charge interest, but it will charge installment fees.

Extended data

1. The installment amount occupies the credit line.

For example, the bill of 2000 is divided into 12 months, assuming 200 per month, your credit line will be reduced in the first month because it is occupied 1800. After each repayment, part of the credit line will be restored.

There is a handling fee for installment payment.

Installment payment requires a certain fee. The more installments, the lower the installment interest rate, and the installment fee is different from bank to bank. Regardless of whether there is a bill or not, the installment fee is calculated according to the installment interest rate. The bank encourages cardholders to pay by installments. If there is no economic pressure, it is best to repay in full.

3. Some consumption can't be divided into stages.

For example, the part that used the temporary quota, such as the part that should be paid back in the previous period (the installment applied for last month, 200 yuan will be paid back this month, and this 200 yuan cannot be divided any more).

How to operate the installment payment with the credit card of Bank of Communications? Does it show how many cycles?

How to apply for installment repayment with Bank of Communications Credit Card app;

1, the mobile phone downloads the app "Pay the bill".

2. Open the application, select "My" and log in to the account.

3. After logging into the account, click "Home" and find "I want to go on stage".

4. Enter the installment amount, and you can choose the number of installments in the repayment plan (currently, you can choose 3 installments, 6 installments, 9 installments and 12 installments), and click Next.

5. Check the data such as "installment amount", "number of installments" and "each installment should be returned", and then click "Submit" to wait for approval.

This is the end of the introduction on how to do the credit card installment of Bank of Communications and the credit card installment of Bank of Communications. I wonder if you found the information you need from it?