CCB credit card installment fee
CCB credit card installment fee is generally determined according to the number of consumption installments. At present, there are three stages of consumption, six stages, ten stages, twelve stages, eighteen stages and twenty-four stages, and the fees corresponding to the specific stages are .75%, .7%, .65%, .6%, .6% and .62% respectively.
the calculation formula of credit card installment fee of CCB is as follows: monthly fee = installment total fee rate.
CCB's credit card has the business of merchants' installment payment, that is, you can directly ask the merchants for installment payment after buying something. However, this installment can only be carried out among the merchants that CCB cooperates with. Although no additional application is required, the scope of choice is relatively small. It is better to directly choose the bill installment payment after spending the bill by credit card.
installment of credit card bill of CCB refers to the period from the next day of the billing date to the final repayment date, when the cardholder applies to CCB for installment repayment of a certain amount of RMB consumption that has been billed (only once every 3 days). The minimum application amount is 5 yuan RMB, and the maximum application amount does not exceed 9% of the total amount of RMB consumption in the bill (excluding cash withdrawal, installment payment and other transactions stipulated by the Construction Bank).
There is no restriction on the types of consumption for the installment payment of CCB's credit cards. All credit card consumption can be applied for, and the number of installment payment can be 3, 6, 12, 18 and 24 at one time. After applying for the installment payment, the first principal and handling fee will be recorded in the next month's bill, which is equivalent to enjoying a longer interest-free period.
The ways for CCB to apply for bill installment payment by credit card are as follows:
(1) WeChat to apply for bill installment: pay attention to the public account of China Construction Bank, bind the credit card, and click Credit Card-Bill Installment-Click here to apply for installment.
(2) SMS application for bill installment: use the mobile phone number reserved in China Construction Bank to edit the SMS "CCZZ# last 4 digits # amount # installment number" and send it to 95533.
(3) Application for bill installment by mobile banking: Go to CCB Mobile Banking and click Credit Card-Bill Installment Application.
(4) Apply for bill installment online: For individual online banking users, please click Apply for bill installment, and select "Credit Card Inquiry-Select-Inquire about issued bill-Apply for bill installment". For registered users of credit card channel, please click Apply for bill installment and select "-Billing-RMB-Apply for bill installment".
(5) Telephone application for bill installment: Call the customer service telephone number of China Construction Bank at 4-82-588, and you can operate by yourself according to the language prompts or transfer to manual customer service for application.
CCB credit card will be repaid in 12 installments of 1, yuan, and how much will be exchanged each month
The repayment amount of each installment can be calculated by the following methods:
1. Log in to mobile banking, and enter the installment amount through the menu of "Credit card-card service-I want to installment-bill installment/cash installment", and the system will display the principal to be repaid in each installment and the number of application installments.
2. Pay attention to and enter the China Construction Bank WeChat WeChat official account. After binding the credit card, click the "Bill Installment" or "Cash Installment" link through the "Credit Card-Bill Installment/Cash Installment" menu, verify your identity and select the card that needs to apply for bill installment. The latest bill amount, maximum amount and minimum amount of the credit card can be reflected on the page. After entering the application installment amount and selecting the number of installments, you can
when a customer applies for credit card installment, the repayment amount of each installment can be calculated by the following methods:
1. Log in to the mobile banking, and use the menu of "Credit card-card service-I want installment-consumption installment" to inquire according to the prompts.
2. Pay attention to and enter China Construction Bank's WeChat WeChat official account. After binding the credit card, enter China Construction Bank's WeChat WeChat official account "Credit Card-Business Handling Hall", click ""on the page, and operate the query through the "Recommend for You-Consumption Staging" menu.
(in case of business changes, please take the actual situation as the standard. )
How to calculate the interest of credit card installment of CCB
Credit card installment of CCB does not charge interest, but only charges a handling fee.
CCB's credit card bills are generally divided into 3, 6, 9, 12, 18 and 24 installments. According to the number of installments, the handling fee rate is different, and the average rate of each installment is generally .6% to .8%. For example, if the installment amount is 1,2 yuan, and it is repaid in 12 installments, the handling fee rate is .6% per month, so the actual monthly repayment amount is: 1,2 yuan in 1 yuan, .6%=17.2 yuan.
the number of installments is divided into 3 installments, 6 installments, 12 installments, 18 installments and 24 installments.
The monthly handling fee rate is .75%.7%.6%.6%.62%
Monthly handling fee = handling fee rate of total installment amount, which will be recorded and collected on each billing day after installment, otherwise it will be counted as a bad record in the credit information system.
Extended information
If the user can repay the credit card within the specified repayment date, there is no need to pay interest. However, if the repayment operation is not carried out on the specified date, the interest will be calculated at the daily interest rate of .5% from the consumption date, and CCB will regard the credit card user as overdue, which will affect personal credit.
If the repayment cannot be made in full within the specified time limit, CCB credit card users can apply for installment repayment, and interest is not required to be paid for installment repayment, but a certain handling fee will be charged according to the number of installments. For a single consumption of more than 1 yuan, they can apply for three installments with the corresponding handling fee of .7%.6%.6% respectively.
The billing date provided by China Construction Bank has 13 dates, which are 2, 5, 7, 1, 12, 15, 17, 19, 22, 23, 24, 25, 26 and 27 respectively. The repayment date of China Construction Bank is 2 days after the billing date. For example, the billing date of a credit card holder is the 7th of each month.
The billing statement of China Construction Bank can be modified. Everyone has the opportunity to modify the billing statement once a year. For example, the billing statement of a credit card user is 25th, and the repayment date is 15th of each month. However, since the monthly payroll date of a credit card user is 2th of each month, the user can apply to China Construction Bank to change the billing statement to 2nd of each month, so the repayment date is 22nd of each month.