Telephone repayment, online banking repayment and so on.
The repayment method is as follows:
1. Shopping center installment payment
Also known as POS staging, it means that cardholders go to shopping places and shop in "shopping malls" that can be staged. Holding a credit card that supports installment in this mall means that installment payment is needed. Then the cashier will swipe the card on the special POS machine according to the number of periods required by the cardholder (such as 3 periods, 6 periods, 12 periods, etc.). There are also a few shopping malls that support the 24 th issue). Note: When staging in the mall, you need to verify the identity of the cardholder and remember to bring your ID card. Shopping malls are generally free in three stages. The rates for Stage 6 and Stage 12 vary from bank to bank. As long as the goods are sold normally in shopping malls, they can generally be paid by installments. In many cases, cardholders can also bundle multiple items together to settle accounts, and then pay in installments.
2. mail order installment payment
It means that the cardholder receives the installment mail order catalog manual sent by the issuing bank (or the online installment mall of the bank) and chooses from the limited commodities. Then the bank orders in installments through online installment mall, telephone or fax installment application form, etc.
Generally, there is no handling fee for mail order installment regardless of the number of installments. However, due to the long ordering cycle (in many cases, it takes more than 15 working days to get the goods), and the return is relatively complicated. It is recommended to compare before buying.
Step 3: Pay the bill in installments
This is the most convenient staging method, which can be basically supported by all issuers, and the application is simple. Users only need to apply to the issuing bank for installment by phone after spending their credit cards and before sending monthly bills. However, it should be noted that banks will stipulate some special circumstances, such as speculative credit cards can not be successful in installments. So before the trial run, be sure to read the trial run manual carefully.
Note: The disadvantage of bill installment is that it can't exempt the handling fee. The longer the number of installments, the higher the handling fee, and the cardholder must bear it himself.
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1. Credit card installment formula:
Transaction amount × monthly interest rate × number of periods
Although the handling fee may be charged once or monthly, the amount of the two is the same. With the increase of repayment, the money owed to the bank decreases, but the handling fee will not decrease with the progress of repayment, which is different from the calculation method of bank loan interest.
Two: according to the amount repaid:
Overpayment, as the name implies, means that when the payment is made on the billing date, the actual repayment amount is more than the due amount. For example, our monthly repayment amount is 3K, but we actually paid 3.5K, and there will be 500 yuan more in the credit card. Although excessive repayment can avoid overdue, credit card is not a savings card after all, and the extra money will not generate interest, and even credit card bad debts will be generated because of this part of excessive repayment. Finally, in order to avoid the influence of excessive repayment and bad debts on our personal credit information, we have to pay extra handling fees to take out this part of the money we have saved, which is really not worth the candle, so this repayment method is not recommended.
Three: full repayment, that is, pay off the credit card arrears of last month in one lump sum on the billing date. This is the best repayment method at present, but it is not suitable for all friends. After all, full repayment requires us to have strong repayment ability. If the amount to be repaid is several thousand, the pressure of full repayment is relatively small, but if the bill amount is relatively large, tens of thousands of dollars, the pressure of one-time repayment is still great. Therefore, this repayment method still depends on our own economic strength.
Operating environment: apple 12iOS 14.
How to repay the credit card in installments?
After credit card installment, it can be repaid automatically and at the counter through mobile banking, third-party payment platform, ATM machine and bound bank card.
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.
1. What are the advantages and disadvantages of credit card installment repayment?
Benefits:
Mainly to alleviate the pressure of high single-period bills. When I owe 10 thousand, I only have 3 thousand in my hand for the time being, so paying it back several times will neither affect my credit nor relieve my pressure. But also conducive to credit card cash withdrawal. Banks will charge installment fees, and they are also happy to see users installment. In order to overcharge, they will naturally withdraw the amount.
If it is to raise the amount, it is not cost-effective to handle the installment if you have money. Although there are more idle funds in hand for the time being, it will increase a certain burden.
Disadvantages:
There is a handling fee for installment repayment, and the rates of different banks are different. The longer the number of installments, the more the handling fee. If you pay in installments for a long time, you will find that the handling fee is amazing. Moreover, this is not conducive to cultivating good consumption habits, and only a part of it is paid every month, which may lead to more and more debts.
Repayment in installments can be made in advance. Under normal circumstances, users should take the initiative to apply to bank customer service, but it is not recommended to do so, which has many disadvantages.
1. Why not recommend prepayment?
The installment fee is fixed after handling. I have handled the installment of 12, so the extra fee for this installment of 12 must be paid. No matter how much you want to pay back the remaining installments in advance, this money can't be reduced.
And many banks have relevant regulations. Once you apply to customer service for prepayment, the remaining amount will be paid in one lump sum in the next bill. On the contrary, it has increased the economic burden, and it is better to repay the loan as agreed.
2. How to make rational use of installment repayment?
The starting point of installment repayment is to share the cardholder's pressure several times when the user can't pay the bill temporarily. So staging is not blind. The longer the better. It is very important to choose the appropriate number of periods according to your actual income, so as not to pay the handling fee in vain.
Many people hesitate between the minimum repayment amount and installment repayment after owing money, saying that both are more cost-effective. In fact, it all depends on the user's own situation, such as how much money is owed and how long it will take to pay it off.
1, the less you owe, the lowest short-term repayment.
If I only owe two or three thousand dollars, and the funds will arrive in a few days, then don't choose to repay by installments. The minimum repayment date interest rate is 0.5 ‰, with monthly compound interest. Take the bill amount of 10000 yuan as an example, and the interest for one month will be 150 yuan. If it is divided into three periods, the interest rate will definitely not stop.
2. How long will it take to pay off the debt? Choose installment payment.
In the case of long-term financial constraints, it is of course recommended to repay by installments. The minimum repayment is to calculate compound interest every month. If you don't pay it back for a day, the interest will keep piling up. The interest generated by the minimum repayment for one year is several times the handling fee of 12.
In short, installment repayment itself has advantages and disadvantages. When unable to repay, it is recommended to choose the appropriate number of installments, and it is not recommended to repay in advance.
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 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.