Postal credit card, the handling fee is charged monthly (monthly), regardless of the application amount, 0.6% of the total installment principal is charged in each period.

Conditions of applicant for installment payment business

(1) Postal Savings Bank can handle credit card installment business for personal cards and official cards;

(2) Accessory credit card holders cannot directly apply for transaction installment and bill installment payment;

(3) Individual cardholders can apply for merchant installment payment service;

(4) The main cardholder of personal card can apply for installment payment for the transactions of the main card and the supplementary card under his name;

(5) Personal payment master card holders can apply for bill installment payment;

Post credit card installment application time:

Applying for the installment of postal credit card transactions can be carried out after the credit card consumption transaction records and before printing the current bill date; The time for installment of postal credit card bills is from the bill date to 4 days before the repayment date (that is, within 24 days after the bill date); There is no time limit for merchants to apply for installment payment.

Where to handle the installment payment business of postal credit card:

Transaction installment and bill installment are applied by calling the customer service phone of the Postal Savings Credit Card Center, and merchants pay by installment on the spot. Merchants who cooperate with the postal service use POS for consumer payment.

Post credit card application installment limit:

Apply for staging of postal credit card transactions, with a single transaction amount of at least 500 yuan, and a single transaction can only be fully transferred to staging; The condition for the initial amount of bill installment application is that the difference between the balance of bills issued in the previous period and the minimum repayment amount is greater than or equal to 800 yuan, and the maximum amount does not exceed the difference between the balance of bills issued in the previous period and the minimum repayment amount; The minimum amount of installment payment for a merchant is 500 yuan.

How many installments can postal credit card installment be divided into:

At present, the credit cards for postal savings are divided into three phases, six phases, 12, 18 and 24 phases.

Among them, the above five types can be selected for transaction installment and bill installment, and the number of installments of merchants can be freely selected.