how to repay the credit card in installments? What are the ways?

telephone repayment, online banking repayment, etc.

The repayment method is as follows:

1. Shopping mall staging

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 indicates that installment payment is required. Then the cashier will swipe the card on a special POS machine according to the number of periods required by the cardholder (such as 3 periods, 6 periods, 12 periods, etc., and a few shopping malls support 24 periods). Note: When staging a shopping mall, you need to verify the identity of the cardholder, so remember to bring your ID card. Shopping malls are generally free of charge in three stages. The rates for the 6th and 12th installments are different from bank to bank. As long as the goods that are paid by installments are normally sold in the shopping mall, they can generally be paid by installments. In many cases, the cardholder can also bundle a number of goods together to check out, and then carry out the installment.

2. Mail-order installment

means that the cardholder receives the installment mail-order catalog manual sent by the card-issuing bank (or the online installment mall of the bank) and selects from the limited commodities. Then, the bank will order by installment through online installment mall, telephone or fax the 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 will take more than 15 working days to get the goods) and the relatively complicated return and exchange, it is recommended to make more comparisons before buying.

3. bill installment

this is the most convenient installment method, and all card-issuing banks can basically support this installment method, and the application is simple. Users only need to apply for installment to the issuing bank by telephone after spending by credit card and before sending monthly bills. However, it should be noted that banks will stipulate some special cases, such as speculative credit card can not be successfully phased. So before staging, be sure to read the staging manual carefully.

note: the disadvantage of bill installment is that you can't waive the handling fee. The longer the number of installments, the higher the handling fee, and all of them should be borne by the cardholder himself.

:

1. credit card installment formula:

transaction amount × monthly rate × number of installments

Although the handling fee may be charged once in the first installment or monthly, the amounts are 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 interest on bank loans.

2. Classification by repayment amount:

Overpayment, as the name implies, means that the actual repayment amount is more than the repayment amount on the billing date. For example, our monthly repayment amount is 3K, but we actually paid back 3.5K, and there will be 5 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 overpayment. Finally, in order to avoid the impact of overpayment 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 ourselves, which is really not worth the loss, so this repayment method is not recommended.

third, full repayment means paying off all 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 and 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: how to installment Apple's 12iOS14

1. After installment, the credit card can be repaid automatically through mobile banking, third-party payment platforms, ATMs, bound bank cards and over the counter.

Second, specifically:

Computer operating environment: Apple A1466Window1 system

Mobile operating environment: Xiaomi 12mui12.5.13

1. Mobile banking. Now all major banks have their own mobile apps, and they can repay their credit cards by logging in after downloading;

2. Third-party payment platforms, such as Alipay and WeChat, all have credit card repayment function, which can be repaid after the bank card is bound;

3.ATM repayment, directly insert a credit card into the ATM, and then deposit money;

4. Associate the bank card with the credit card, and the system will automatically deduct the money from the bank card bound to you 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.

3. Installments:

1. Installments are mostly used in some product transactions with long production cycle and high cost. Such as the export of complete sets of equipment, large vehicles, heavy machinery and equipment. The method of installment payment is that after the import and export contract is signed, the importer pays a small part of the payment as a deposit to the exporter, and most of the rest will be paid in installments after the products are partially or completely produced and shipped, or when the goods are installed, commissioned, invested and quality guaranteed.

2. 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 after paying only a small part of the payment, but because interest is included in the future installment payment, the amount paid for buying the same goods or services by installment payment is more than that paid in one lump sum. On the one hand, installment payment can enable the seller to complete the promotion activities, on the other hand, it also provides convenience for the buyer.

3. The characteristic of installment payment is that after the import and export contract is signed, the importer pays a small part of the payment as a deposit to the exporter, and most of the rest will be paid in installments after the products are partially or completely produced and shipped, or when the goods are installed, commissioned, invested and the quality guarantee expires. 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.

4. Most domestic banks have credit card installment business. Installment payment is generally divided into shopping mall (POS) installment, "mail order installment" and bill installment according to different occasions.

how to repay the credit card in installments

credit card bill installment refers to the installment of unbilled transactions and billed transactions. The application qualification, installment amount, installment number and rate are subject to the comprehensive evaluation of the credit card center. [You can click here for the webpage 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 repayment → bill installment, fill in the amount and number of installments, and then click "Preview Order" to submit the application.

online banking: log in to the popular version or the professional version, and click installment financing-bill installment-issued account/bill installment-unpaid 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 by stages. Enter the application page to see the number of optional periods and the installment rate.

credit card telephone channel: dial the credit card customer service hotline, press it and directly tell the business you need to handle to apply.