If you want to pay by installment, you can choose to pay by installment when you pay, or you can choose to pay by installment when you repay after paying in full. When the user chooses to pay by installment, the number of installments will be set on the payment page, and the user only needs to swipe his card. Since it has been paid in full, the user can choose to pay the bill in installments, so that he can repay it in installments.
In fact, installment payment and installment repayment are essentially credit card installments, and the effect is that users can repay in installments, and users can choose any installment method.
Credit cards can be divided into 36 periods at the longest, and most banks can be divided into 24 periods at the longest. After credit card installment, you need to pay installment fee. Although the monthly repayment pressure is reduced, the total repayment amount is increased. And often handle the installment business, which is also a manifestation of the poor economic situation of users. In fact, this is not conducive to repayment.
Some users think that banks can charge more for installment business and are more willing to increase the credit card limit. This understanding is wrong. Banks give users credit cards with reference to their credit information, repayment ability and credit card usage.
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Du xiaoman
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How to repay the credit card in installments? What are the ways?
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 installment credit cards?
How to installment credit cards?
Now there are almost several bank cards, and many people start to raise cards with them. However, only by understanding the credit card swiping methods supported by banks can we increase the credit card limit, and there are many skills to raise cards. Let's take a look at how to repay the credit card in installments.
How to pay by installment credit card 1
First, credit card installment payment
Credit card installment payment refers to the process that when the cardholder uses the credit card to make a large amount of consumption, the bank pays the consumer funds of the goods (or services) purchased by the cardholder to the merchant in one lump sum, and then the cardholder repays the money to the bank in installments and pays the handling fee. According to the cardholder's application, the bank deducts the consumption funds and handling fees by stages through the cardholder's credit card account, and the cardholder repays according to the monthly recorded amount.
Second, how to repay the credit card in installments
1. Time to apply for installment bills
From the trading day to the repayment date, you can freely choose the installment transaction under RMB or USD account.
For unbilled transactions: you can apply for installment payment between the transaction date of 19:30 and the billing date of the bill corresponding to the transaction.
For bills that have been issued, you can apply for installment from the day after the billing date to the due repayment date (for customers with automatic repayment in the account, the deadline for application is due repayment date 17:00).
2. Conditions for applying for installment bills
Applicants must hold a personal credit card of China Merchants Bank, have a good record of using the card, and have no delay in repayment in the current period. Customers who only hold business cards, business cards, purchasing cards, ANA protection cards or supplementary cards cannot apply for bill installment for the time being.
3. Bill installment application amount
For the installment payment of RMB bills, the minimum application amount shall not be less than 300 yuan RMB each time; For the installment payment of USD bills, the minimum application amount shall not be less than USD 65,438+000 each time. After the installment of RMB or USD bill is successful, the principal and handling fee of each installment will be credited to RMB account, that is, the installment amount of USD bill will be converted into RMB at the exchange rate specified at the time of application.
How to divide credit cards into stages 2
The credit card installment payment method is as follows:
Credit card installment can be handled directly by calling the credit card customer service hotline, and the customer service staff will help the user to handle it; Users can also apply for credit card installment on their own mobile banking. Banks provide users with different stages, and users can decide the number of stages according to their income. Generally, the more installments, the more fees users pay.
Not all the arrears can be handled when handling credit card installment repayment. For example, the interest generated, the withdrawal amount and the previous installment amount cannot be repaid in installments, and the user needs to pay it off in one lump sum. Installment arrears are the normal credit card consumption amount of the user in the last consumption cycle.
After the installment repayment, there can be no overdue situation; If it is overdue, it will have an impact on personal credit information. If it is still difficult for users to repay by installment, then we can consider using the minimum repayment amount, which is lower than the installment amount, but using this repayment method can not make all consumers enjoy the interest-free period.
Many friends and relatives around me have used credit card bill installment, saying that credit card bill installment is really not as good as micro-loan. Micro-loan is a micro-credit product under Weizhong Bank, the first Internet bank in China, which is safe and secure. The operation is also very convenient, and no paper materials need to be provided.
Without mortgage or guarantee, users are invited to enter the micro-loan entrance in WeChat Pay or Q Wallet and borrow money according to the prompt steps. It adopts the method of equal principal and interest, and the daily interest rate is between 0.02% and 0.05%. After the principal is paid off, no interest will be calculated. Loan-as-you-borrow is supported, and users can choose to repay the principal in monthly installments of 5/ 10/20. There is no penalty for prepayment, which can meet the short-term needs of customers.
How to divide credit cards into three stages?
Credit card installment repayment can adopt the following methods:
1. You can go directly to the business hall with your credit card, directly explain to the staff that you need to apply for installment, and fill out the application form with the assistance of the staff.
2. You can call the bank customer service phone for staging according to the voice prompt or direct manual instruction, and follow the instructions of the staff.
3. You can use the bank APP, select "Credit Card" after logging in, click "Repayment by installment", or apply for installment according to the page prompts;
4. Punch in the bank credit card official website. After logging in, click "Credit Card" and "Staging", and choose the staging according to the website operation.
5. Pay attention to the official account of bank credit card WeChat, and handle the bill installment.
The main benefits of credit card installment payment:
1, enjoy first, then pay;
2, no guarantor is needed, and the procedure is simple;
3. Fixed time and easy payment;
4. Payment is optional, and the monthly repayment amount is optional;
5. More space to choose payment methods.
1. What is bill installment?
Bill installment refers to the process that the credit card holder asks the credit card center to return the consumption amount in the current bill to the bank in installments after swiping the card, and the bank collects a certain installment fee from it.
2. What is cash installment?
Cash installment is a kind of installment payment. When the cardholder applies or the issuing bank invites the cardholder to apply, the cardholder's credit card limit is converted into cash (or not credited to the credit card limit, and then transferred to the account of the cardholder's designated debit card (the bank or other bank), and then returned by the cardholder according to the designated installment number.
3. What is consumption staging?
Credit card installment means that after the cardholder swipes the card, if the single consumption amount reaches the minimum consumption amount stipulated by the bank, the cardholder can apply to the bank to split the consumption into multiple repayments, and the bank will split the consumption into multiple payments and charge them into your credit card account.
In this way, consumer installment is very similar to bill installment, and Bian Xiao was almost fooled. But after careful study, we will find that consumption installment refers to a single installment, with the lowest amount in general, while bill installment emphasizes bill installment. Bill amount can be divided into all or part of the bill amount.
So in short, you can also understand it this way:
The installment bill is to pay back the bank several times after you owe money with your card; Cash installment is to change the amount of your credit card into cash withdrawal; Installment consumption means that you take a fancy to a commodity on the bank official website and want to buy it. The money for buying goods can be paid in multiple installments.
I finally understand these issues. How to choose depends on your needs. Because the handling fees of these installments are similar, consumption installment is suitable for foreseeable single or multiple large purchases, and bill installment is suitable for the situation of high total bill in the current period.
How to stage credit cards?
1. After credit card installment, it can be repaid automatically through mobile banking, third-party payment platform, ATM machine, bound bank card and counter repayment.
Second, specifically:
Computer operating environment: Apple computer a 1466 windows 10 system.
Mobile phone operating environment: Xiaomi12mui12.5.13.
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.
Three. Installment payment:
1, installment payment is mostly used for some products with long production cycle and high cost. Such as complete sets of equipment, large vehicles, heavy mechanical equipment and other products. Installment payment means that after the import and export contract is signed, the importer pays a small part of the payment to the exporter as a down payment, and most of the rest is paid in installments after part or all of the products are produced and shipped, or after the goods are installed, debugged, invested and guaranteed.
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 only by paying a small amount of money, but because the interest is included in the future installment, the amount paid for the same goods or services by installment is more than the amount paid in one lump sum. On the one hand, installment payment allows sellers to complete promotional activities, on the other hand, it also provides convenience for buyers.
3. Installment payment is characterized in that after the import and export contract is signed, the importer pays a small part of the payment to the exporter as a down payment, and most of the rest is paid in installments after part or all of the products are produced and shipped, or after the goods are installed, debugged, invested and guaranteed. 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.
Most domestic banks have credit card installment business. Installment payment is generally divided into store (POS) installment, "mail order installment" and bill installment according to different occasions.
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.