Can CITIC Bank credit card bill installments be repaid in advance? Will the handling fee be refunded?
CITIC Bank's credit card bill installment plan effectively relieves people's repayment pressure by repaying credit cards in installments. Therefore, many CITIC Bank customers have applied for bill installment plans. However, many people want to repay in advance when they can pay off the loan in full later. So, can CITIC Bank credit card bill installments be repaid in advance? Will the handling fee be refunded? Let me answer it for you today.
Can CITIC Bank credit card bill installments be repaid in advance?
CITIC Bank credit card bill installment supports early repayment. If you need to repay your loan in advance, you only need to call CITIC Bank’s customer service hotline at 400-889-5558 to apply for early repayment from the customer service staff.
However, it should be noted that if you repay the loan early, you must pay off your outstanding installment principal in one lump sum, and you will also need to pay the default penalty for early termination of the installment repayment. gold. The bank will charge a penalty of 3% of your unpaid principal.
Will the handling fee be refunded after early repayment of CITIC Bank credit card bill installment?
After you pay off your CITIC Bank credit card bill in installments in advance, the handling fee you have paid will not be refunded. Whether it is a one-time fee or a fee collected in installments, it cannot be refunded after it has been paid.
However, if your handling fee is charged in monthly installments, then after you repay the loan in advance, the handling fee for unpaid bills will not be charged again.
The above is the answer to "Can CITIC Bank credit card bill installments be repaid in advance? Will the handling fee be refunded?" CITIC Bank credit card bill installments can be repaid in advance. You can apply for early repayment by calling the bank's customer service phone number. It’s just that the handling fee that has been paid will not be refunded, but the unpaid handling fee does not need to be collected again.
Can CITIC Bank credit card be repaid in installments?
Yes.
CITIC Credit Card can be repaid in installments. You can apply directly to a nearby CITIC Bank branch with your ID card and bank card.
Four types of installment payment methods with CITIC Bank credit cards:
1. Shopping mall installments of CITIC Bank credit card installments
Shopping mall installments are CITIC Bank credit card consumer credit services One is that when CITIC Bank credit card holders make purchases, they can choose to divide the total price of the purchased goods or services into several equal installments (months) and pay in installments. Repay the amount on time according to the credit card bill in each period (month). When the cardholder chooses to go to an installment merchant store specially appointed by CITIC Bank and complete the installment payment through a designated POS machine, it is called "mall installment payment" or "mall installment" for short.
2. CITIC Bank Credit Card Installment Mall Installment
CITIC Bank Credit Card Mall Installment Business means that cardholders use their credit cards to purchase designated goods at contracted merchants through CITIC Bank Credit Card Mall. After approval by China CITIC Bank, the merchant will be notified to deliver goods to the cardholder, and the amount of the purchased goods will be divided into several installments, and the cardholder will repay the payment monthly within the agreed period.
3. CITIC Bank Credit Card Installment Bill Installment
CITIC Bank Credit Card Bill Interest-free Installment Business provides customers with interest-free installment services for repaying the current bill amount. After paying a certain handling fee, 90% of the current bill amount can be divided into installments according to the number of installments requested by the customer and repaid in equal amounts starting from the next billing cycle, without the need to pay interest due to incomplete repayment. .
4. CITIC Bank Credit Card Free Installment Payment
CITIC Bank Credit Card Free Installment Business provides customers with interest-free installment services for repaying single purchases that have not yet been billed. After paying a certain handling fee, the customer can repay a single consumption amount that has not been billed in the current period in equal installments according to the number of installments applied by the customer, and does not need to pay interest due to incomplete repayment.
CHINACITICBANK, formerly known as CITIC Industrial Bank, was founded in 1987 and changed to its current name at the end of 2005. CITIC Bank is one of China's national commercial banks, headquartered in Beijing.
The major shareholder is CITIC Corporation of China.
Spanish Bank of Spain (Banco Bilbao Vizcaya Argentaria, S.ABBVA) spent 501 million euros (approximately HK$5.02 billion) to purchase 5% of China CITIC Bank’s equity, and also has the option to increase its shareholding in China CITIC Bank to 10.07%. On April 27, 2007, CITIC Bank was listed on the Shanghai Stock Exchange. CITIC Bank is the seventh largest bank in mainland China, with total assets of more than HK$1.2 trillion, more than 16,000 employees and more than 540 branches. It is one of the six lines and three guarantees for Chinese financial stocks in Hong Kong.
How to apply for installment payment of CITIC Bank credit card bill?
1. CITIC Bank Credit Card Bill Installment Payment Rules
Application time: Submit an application within three working days from the current bill date to the due date of repayment;
Application amount: no more than 90% of the unpaid portion of the consumer transaction amount that has been issued in RMB, with a minimum of RMB 800;
Number of installments and handling rate:
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2. Application method for CITIC Bank credit card bill installment payment:
1. Call the 24-hour customer service hotline: 40088-95558, press 1-Press 6-Press 2 to transfer bill installments and single installments The business will be handled by professionals;
2. Log in to China CITIC Bank Credit Card Online Banking to apply;
3. Log in to the main page of Xindong Space and apply according to the prompts;
4. Go to CITIC Online Banking through mobile WAP.
After applying for installment business with CITIC Bank credit card, how will the credit limit of the credit card change?
After a CITIC Bank credit card successfully applies for bill installment or single installment, the installment amount will occupy the cardholder's limit and will be restored gradually as the cardholder repays each installment.
The bill installments processed on the same day will occupy double the quota, so if the quota becomes less or negative on that day, the quota will return to normal the next day.
After the installment, if the payment can be made in full and on time, only the installment fee will be charged and no interest will be charged. If the balance due on the bill is not repaid in full, the consumption for which the installment has not been processed and the amount for the current period will be included in the bill. The installment principal will no longer enjoy the interest-free period, and interest will be accrued on the full amount from the date of entry into the account, calculated at 50,000 per day.
Extended information:
The conditions for CITIC Bank credit card installment application are:
1. Must be the main cardholder, have good card usage records and be currently repaying the credit card. No payment is overdue.
2. Customers who only hold business cards or official cards cannot apply for the time being.
3. Whether the installment application is passed or not depends on the system review results.
Bills and single installments need to be applied for, and whether they can be processed depends on the result. Depending on the card usage situation of each cardholder, the application results will be different. If the application is unsuccessful, it is recommended to continue to use the card, spend at as many types of merchants as possible and repay in full.