Bank of Communications Credit Card Cash Staging Process

Customers can apply for this service through the designated credit card of Bank of Communications such as official website Credit Card or the customer service hotline 400-800-9888. Bank of Communications will finally decide whether to approve and the specific amount according to the credit status and consumption purpose of the customer at the time of application. After the business application is successful, the customer can set the installment number and initial transaction amount of the credit line by himself within the options provided by Bank of Communications.

Bank of Communications provides three, six, 12 and 24 good loans. The repayment method is as follows:

Installment: (principal installment) 0.50%/ period to 0.93%/ period, which will be collected on schedule;

Loan and repayment: (the principal is repaid in one lump sum) 1.35%/ period to 1.50%/ period, and the first installment is paid in one lump sum.

Note: 1. The calculation rules of handling fee are: installment principal x applicable price x number of installments; 2. During the operation period, it will change within the above price range according to the market environment and customer credit.

If the cardholder has any questions, please call the 24-hour customer service hotline: 400-800-9888.

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, a 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).

Bank of Communications credit card "divide it if you want" installment payment

1. Introduction of Bank of Communications Credit Card "Divide If You Want"

Bank of communications credit card can be divided if you want. As long as the consumption arrears of your credit card meet the installment conditions, you can choose any amount of consumption arrears to apply for installment at will, so that you can really enjoy "as much as you want"!

1. Application amount: the single consumption in the cardholder's credit card account or the consumption arrears in the account meet the installment amount condition (the total amount of single consumption or consumption arrears in the account reaches 65,438 yuan +0, 500 yuan or 65,438 dollars+0,000 yuan, or the total amount of credit card consumption arrears of Bank of Communications Y-Power reaches 500 yuan or 60 dollars, and does not exceed 350,000 yuan or 65,438 dollars+0,570 yuan).

2. Application time: from the time when the consumer transaction is recorded to the day before the due repayment date.

3. Number of periods and commission rate

Number of periods: 3, 6, 9, 12, 18, 24. The handling fee rate is 0.93%/ installment 0.80%/ installment 0.72%/ installment 0.72%/ installment 0.72%/ installment.

4. Application method:

(1) Visit Bank of Communications Credit Card official website-click "My Credit Card".

(2) Edit two-way SMS (Edit SMS "CC can be divided into # last four digits # amount # period" and send it to 95599)

(3) Log in to Bank of Communications Online Banking "Credit Card-Installment Payment"

(4) Log in to Bank of Communications Mobile Banking "Financial Services-Credit Card-Installment Payment"

(5) Call the customer service hotline at 400-800-9888.

Second, the Bank of Communications credit card "points" clause.

For details, click: Description of application conditions and quota for the installment business of Bank of Communications credit card "Divide if you want".

Source: Bank of Communications

I recommend: Bank of Communications Credit Card Center.

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.

How to handle the installment payment by credit card of Bank of Communications?

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 credit card installment payment of Bank of Communications?

First of all, Bank of Communications credit card installment payment:

1, you don't need to hold a bank of communications credit card for more than 3 months for installment payment!

2. Installment payment is not allowed: general real estate transactions, hospital transactions, utility fees, government consumption, transfer transactions and cash withdrawal transactions are not allowed.

3. Bank of Communications Y-POWER Credit Card (Youth Card), with the first installment amount of RMB 500 yuan or USD 60. Quasi-credit cards and quasi-business cards do not participate in the "divide with you" bill installment plan. The initial installment amount of other credit cards of Bank of Communications is RMB 65,438+0, 500 yuan or USD 65,438+000.

Bank of Communications credit card installment payment has the following three ways:

1. Within 2 days after the transaction date and 3 days after the due repayment, the Bank of Communications credit card can log in to the online banking of SMS password users or certificate users or call the 24-hour customer service hotline of the credit card center, which can be divided into 3 installments, 6 installments, 9 installments, 12 installment, 18 installment and 24 installments.

2. Bank of Communications credit card installment treasure: you don't need to apply for a credit card in advance. You only need to provide relevant materials on the spot with personal credit to complete the installment application on the spot, and the goods will be moved home on the spot. You can also enjoy a long repayment period discount with a large installment delay of four months.

3. Bank of Communications credit card mail order installment: You don't need to swipe your card on site, you can complete the installment payment transaction with merchants thousands of miles away by just making a phone call, sending a fax or submitting instructions online, free of interest and handling fees, and the goods are delivered directly to your door.

Bank of Communications credit card installment interest is as follows:

Transaction amount (RMB) Monthly interest rate (%)

1500 (inclusive)-12500 (inclusive)-down payment amount = total installment amount ÷ number of installments (the remainder is recorded in down payment amount) × handling fee rate of each installment.

Remaining payable amount in each installment = total installment amount ÷ number of installments × interest rate in each installment.

Reminder: Cardholders can call the 24-hour customer service hotline at 800-988-8888, 400-889-3888 or 02 1-53529888 two days after the consumer transaction date and three days before the due repayment date, which is easy to handle.

This is the end of the introduction of how to stage traffic credit cards and how to stage traffic credit cards. I wonder if you have found the information you need?