When your capital repayment is under pressure, choosing credit card installment repayment can alleviate your capital pressure and will not affect your personal credit information.
There are several common ways to choose credit card installment repayment, which can be selected according to your own needs:
1, the method of telephone application. At present, many customer service staff of the bank will call to ask whether it is necessary to apply for credit card installment before the repayment date, and they can choose 3 months, 6 months, 12 months according to their repayment ability. At the same time, you can also take the initiative to apply by phone or edit short messages to the credit card short message platform;
2. Log in to the bank official website to enter the credit card center, apply for credit card installment repayment business, and click on the installment amount and repayment period to confirm;
3. Pay attention to the official account of credit card WeChat, enter credit card installment in the query column, and the content of installment business will pop up, or you can choose to handle it according to your own needs;
4. Go to the bank counter. If you are not clear, you can directly consult the bank counter staff for face-to-face communication.
Now credit card installment business is a regular service launched by banks, and everyone can handle the business according to their actual needs.
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How to make credit card installment repayment?
What are the credit card installment methods?
1, bill installment
Bill installment refers to the behavior that the cardholder is unable to repay the arrears in one lump sum, and applies to the bank to repay the current consumption amount in installments at regular intervals, and the bank collects a certain percentage of installment fees from it.
This is the most commonly used method of credit card installment, which can help cardholders to alleviate the repayment pressure in the current period. However, only the current consumption amount can be phased, such as cash withdrawal, and all kinds of interest and expenses are phased. There is no interest on installment payment, but there will be a handling fee.
Moderate bill installment can also contribute to banks and help credit cards withdraw cash.
2. Consumption stage
Consumption installment refers to that after the cardholder swipes the card, when the consumption amount reaches the conditions that the bank can apply for installment, if it cannot be paid in one lump sum, he can apply to the bank for repayment in multiple installments.
The installment payment of credit card consumption is similar to the installment payment of Alipay Huabai or JD.COM Baitiao. Maybe many people are more accustomed to the latter two, and I don't know that credit cards have similar functions.
3. Cash installment payment
Cash installment refers to the behavior that the cardholder applies to convert the credit card amount into cash and transfer it to the debit card account designated by the cardholder, and the cardholder returns it in time according to the installment conditions agreed by both parties.
This installment is used when the cardholder is in urgent need of cash. Because the function is similar to credit card withdrawal, but the application process is relatively complicated, so more people will choose the latter.
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How to repay the credit card in installments?
1. Cardholders only need to apply to the bank for installment repayment after the bill date. There are many staging options, such as cash staging and free staging. Cash installment mainly refers to the installment of withdrawal quota application, and free installment refers to the installment of statement.
2. Credit card installment can be repaid in advance, but you need to contact customer service in advance to terminate the installment. If you don't apply for termination of installment, the remaining installment amount will not be recorded in one lump sum, and it will still occupy the amount in the card, and the money deposited is only equivalent to the deposit.
How to stage credit cards?
1. After credit card installment, it can be repaid automatically through mobile banking, third-party payment platform, ATM machine, bound bank card and counter repayment.
Second, specifically:
Computer operating environment: Apple computer a 1466 windows 10 system.
Mobile phone operating environment: Xiaomi12mui12.5.13.
1. Mobile banking. Now all major banks have their own mobile apps. After downloading, you can log in to your account and pay back your credit card.
2. Third-party payment platforms, such as Alipay and WeChat, all have credit card repayment function, which can be repaid after binding the bank card;
3.ATM repayment, directly insert the credit card into the ATM, and then save money;
4. Associate the bank card with the credit card, and the system will automatically deduct the money from your bound bank card on the repayment date;
5. You can also repay money at the counter of bank outlets, and you need to bring your ID card and credit card.
Three. Installment payment:
1, installment payment is mostly used for some products with long production cycle and high cost. Such as complete sets of equipment, large vehicles, heavy mechanical equipment and other products. Installment payment means that after the import and export contract is signed, the importer pays a small part of the payment to the exporter as a down payment, and most of the rest is paid in installments after part or all of the products are produced and shipped, or after the goods are installed, debugged, invested and guaranteed.
Installment payment is actually a loan provided by the seller to the buyer. The seller is the creditor and the buyer is the debtor. The buyer can get the goods or services he needs only by paying a small amount of money, but because the interest is included in the future installment, the amount paid for the same goods or services by installment is more than the amount paid in one lump sum. On the one hand, installment payment allows sellers to complete promotional activities, on the other hand, it also provides convenience for buyers.
3. Installment payment is characterized in that after the import and export contract is signed, the importer pays a small part of the payment to the exporter as a down payment, and most of the rest is paid in installments after part or all of the products are produced and shipped, or after the goods are installed, debugged, invested and guaranteed. The buyer and the seller sign a contract at the time of transaction, and the buyer pays the goods and services to the seller in installments within a certain period of time. The date and amount of each payment are stated in the contract in advance.
Most domestic banks have credit card installment business. Installment payment is generally divided into store (POS) installment, "mail order installment" and bill installment according to different occasions.
How to repay the credit card in installments?
Credit card billing installment refers to the installment of unbilled transactions and billed transactions. The application qualification, installment amount, installment number and rate shall be subject to the comprehensive evaluation of the credit card center. [You can click here to get the web page link].
If it is a CMB credit card, you can choose the following channels to apply for bill installment:
Pocket Life: After logging in to Pocket Life, click Finance → Installment Payment → Bill Installment, fill in the installment amount and number of installments, and then click "Preview Order" to submit the application.
Online banking: log in to the popular version or professional version, and click installment financing-bill installment-issued account/bill installment-unissued account-installment application in the credit card interface.
Mobile banking: After logging in to mobile banking, click My → All → Credit Card → Enter the operation page in stages. Enter the application page to check the number of optional periods and the installment rate.
Credit card telephone channel: call the credit card customer service hotline, click it, and tell you the business you need to handle directly to apply.