Bill installment is a repayment method in which the cardholder and the bank agree on the repayment period and the cost of each installment (including the handling fee) in advance. There is only a handling fee here, and there is no interest. You can apply for credit card bill installment, and the number of installments ranges from short-term to long-term, such as 3, 6, 12, 18, 24 and 36.
Credit card bill installment payment is a kind of credit card installment payment, which means that the credit card holder asks the credit card center to return the consumption amount to the bank in installments after swiping the card.
Installment payment of credit card bill is the simplest installment payment method. You only need to call the bank credit card center or log in to personal online banking to apply for installment payment during the period from credit card consumption to due repayment date. Under normal circumstances, as long as there is no bad personal credit record, you can get approval.
The minimum repayment amount is the minimum amount that needs to be repaid in the current month when revolving credit is used, and the minimum repayment amount is listed on the current bill. The calculation method of the minimum repayment amount of each bill: the minimum repayment amount = 65438+ 00% of all general transactions in the credit card account+65438+000% of all outstanding installment transactions in the account+65438+000% of the unpaid part of the minimum repayment amount in the previous period+65438+000% of all funds used in excess of the credit limit of the account+100.
Generally, you can accept the bill installment by calling the customer service center of the issuing bank or telephone banking. ICBC cardholders can handle installment payment at ICBC outlets, ICBC online banking, telephone banking and mobile banking, and China Merchants Bank can handle it at the bank's online banking. Relevant persons of CCB reminded cardholders that although all banks have introduced bill installment payment, it does not mean that every cardholder can pay by credit card installment.
General banks should evaluate the credit status of cardholders according to their credit limit and credit records of credit card consumption. Only after the assessment is passed can the cardholder make installment payment smoothly; If the evaluation result is not satisfactory, the bank may reject the cardholder's application for installment payment, or fail to give the cardholder the amount of installment payment he wants. Cardholders can fully consider their own financial situation and apply for installment by telephone.
The minimum consumption of banks applying for installment is basically between 500- 1500 yuan, including ICBC 600 yuan, China Construction Bank, Bank of China, China Merchants Bank 1000 yuan, Bank of Communications 1500 yuan (Y-power card is a single 500 yuan), CITIC 1200 yuan, Agricultural Bank of China and Guangfa Bank. Everbright Bank does not require the amount. As long as the cardholder uses the designated card, the bill will be automatically divided into 12 installments.