It depends on what you buy and where you buy it First of all, China Merchants Bank can only buy things in stages at its designated merchants, such as Gome Suning. As for China Construction Bank, it is stipulated that a single consumption exceeds 1000 yuan, and the goods you buy are within the credit limit of your credit card. You have to apply to 800 for installment after two days of purchase, and they can only approve whether you can pay in installments, such as payment, gold trading, wholesale, automobile and real estate consumption. You should consult 800 customer service for the specific consumption that cannot be phased.

In addition, the installment costs of the two companies are compared:

Generally, China Merchants Bank can do three stages in its designated merchants, namely 3, 6 and 12. Now, there is no handling fee if it is divided into three phases and six phases. If there is, the handling fee of 1.5% will be charged only once, and the handling fee of 2.5% will be charged for the general 12 stage, and all of them will be deducted once after two work sunrise orders after on-site staging. For example, 12 installment repayment. The bank will charge you 200 yuan installment and 60 yuan handling fee in the first installment, and 200 yuan installment in each installment in the future, so there will be no other fees.

China Construction Bank is generally divided into three stages: stage 3, stage 6 and stage 12. The third stage charges 0.7%, and the sixth and stage 12 charges 0.6% every month. If you apply for 2400 yuan 12 installment, there is a monthly fee of 14.4 yuan, so 12.

In short, there are many restrictions on investment staging, so you must go to his designated business to do on-site staging. The limitations of CCB are relatively small, but for goods with the same price, its handling fee is relatively high, so if you buy the same goods, you can go to the merchants designated by China Merchants and other general merchants to look at the prices, compare their respective prices with the final handling fee, and decide which bank card to use.

I just asked China Merchants Bank, and I did tell you downstairs that China Merchants Bank has six bills and 12 bills, and the handling fees are 4.2% and 7.2% respectively, all of which are one-time deductions without monthly deduction.

I forgot to pay by mail order. There are mail order installment columns on general credit card websites, and there is no handling fee. All are based on the prices listed online, but generally the total amount of this installment will be more expensive than the market.