hello, if you are billing by installments, billing by installments (only holders of business cards, business cards (including financial business cards), purchasing cards, ANA guarantee cards or supplementary cards cannot apply) is a new financial management function launched by our credit card, which can help you repay the consumption amount in your bill by installments on a monthly basis. You can send a short message, log in to the online banking of credit card, or call the customer service hotline 4825555 to transfer the application to the service specialist.

Handling fee for each installment = total installment amount × handling fee rate for each installment.

The minimum handling fee for each installment is .9% for three installments, .75% for six installments, .7% for ten installments, .66% for 12 installments, .68% for 18 installments and .68 for 24 installments in 5 yuan. Whether the application for bill installment is approved or not shall be subject to the comprehensive evaluation results of our credit card center. For the application conditions of bill installment, please log on to the credit card website/and click "Credit Management"-"Bill Installment" to inquire about the terms and conditions of bill installment.

after the bill installment application is successful, the current bill only needs to repay the amount other than the bill installment, and the amount of principal payable in the first installment (the principal payable in each installment = the total amount of principal in installment ÷ the number of installments) and the handling fee will be reflected in the bill next month. The bill installment transaction will fully offset the bill amount, and 1% will offset the balance of the minimum repayment amount. (there is no installment business on the business card)

once the application for bill installment is approved, it cannot be revoked, and the installment amount and the number of installments cannot be changed. The outstanding installment funds in the successful bill installment business need to be paid off in advance. If necessary, you can call our credit card customer service hotline to apply. After the application is approved, the unpaid principal and handling fee shall be settled in one lump sum, and the bill amount shall be paid off in one lump sum. (There is no installment business for corporate cards)

You cannot apply for billing installment for the following transactions: cash advance transaction, installment payment transaction and various expenses (such as annual fee, interest, late payment fee and other credit card charges), real estate transaction, pre-authorization transaction and other transactions specified by our credit card center. (There is no installment business for corporate cards)