You cannot apply for installment payment after the current billing date. That is to say, if you spend on the 6th, you should call the credit card center to apply for installment before July 18.
From now on, anyone who has spent more than 65,438 RMB or 0,500 US dollars with Bank of Communications Pacific Credit Card (Bank of Communications Y-Power Credit Card has spent more than 500 yuan RMB or US$ 60) can apply for "split with you" bill installment transaction through the bank's credit card SMS version or online banking certificate authentication version, or the 24-hour customer service hotline on the back of the card.
The number of periods that can be applied is 3 months, 6 months, 9 months, 12 months, 18 months and 24 months.
2. Can I use the Bank of Communications credit card to buy a car in Suzhou, and can I pay the bill in installments? My credit limit is 5W.
If there is cooperation between the car dealership and the bank, it is absolutely possible. If there is no cooperation, you have to pay the installment fee yourself. Personally, I suggest you call the credit card bank and ask the customer service bank where the car dealership is and if there is a car you like. If there is, it can be done in stages, and there is no handling fee.
3. Can the Bank of Communications credit card buy a car in installments?
Bank of Communications credit card can buy a car by stages, and the following preparations are needed to buy a car by stages:
1, go to the dealership to choose a car first. The interest rate of buying a car by credit card loan is relatively low, and some people with low income may wish to choose credit card installment payment when considering how to borrow money to buy a car. Generally speaking, to choose credit card installment payment, consumers need to have good credit and repayment ability, and can only choose specific models specified by automobile sales companies. Not all models are suitable for credit card installment payment.
2. Prepare to buy a car. Although the down payment ratio of credit card installment car purchase is at least 30% of the bare car price, not everyone can get 70% of the loan amount. Generally speaking, the card bank will give you an appropriate loan amount according to your personal qualifications. Therefore, before deciding to choose the credit card installment purchase method, the cardholder should call the bank to find out his credit limit.
3. Let's talk about the car price first. The cost of buying a car by installment with a credit card is exactly the same as that of buying a car in cash except for a part of the handling fee. Cardholders can first negotiate the car price with the car 4S shop or participate in the dealer's market preferential activities, and then apply to the bank for credit card installment car purchase.