It is recommended that the poster consider his own consumption installment or POS installment
The first type: consumption installment: it is to apply for installment for single card consumption of more than 1,000 yuan that has not yet been billed.
Processing time: from the time the card is swiped to two days before the latest bill date.
Online application method: Go to the CCB Credit Card homepage to complete user registration and real-name authentication. In the unissued bill, there will be a button prompt next to the transactions for which consumption installments can be applied. Click to enter the application page to select the number of installments. And trial calculation of fees
Transaction amount: a single card swipe is greater than or equal to 1,000 yuan.
Instalment fees: The following figure is provided to the poster on the official website. The poster can take a look at it:
For example, assume that the poster’s bill date is the 7th of each month and the due date of repayment is It is 20 days after the bill date, that is, the 27th of every month. The poster bought a mobile phone on April 1, swiped the card for 3,000 yuan, and then called before April 5 (4/7 is the bill date, and the two days before the bill are 4/5). Consumption installment, if divided into 12 installments. The principal of each period=3000/12=250, the handling fee of each period=3000*0.6=18 yuan, the total *** handling fee of 12 periods=12*18=216 yuan, the repayment payable in each period=250 18=268 Yuan, the first installment will be paid on the bill on 4/7, and it can be paid before 4/27.
The second type: POS installment. CCB has cooperative relationships with some merchants that sell electrical appliances, such as Suning, Gome, and Yongle. In this type of cooperative shopping mall, the credit card machine can directly pay for installment. Yes, but there will be a fee. The specific amount will be subject to the announcement of the mall. Sometimes banks will also organize activities with the mall, and there will also be free installments (as far as I know, May Day/Eleventh Day etc. During large-scale holidays, Suning and China Construction Bank will occasionally offer 6 or 12 issues with no handling fee, which is very cost-effective).