When will ICBC's credit card application for installment repayment be reminded by SMS?

Can ICBC credit cards be repaid in installments?

ICBC credit cards can be repaid in installments, and there is no interest on repayment within the specified time, only a handling fee. The number of installments is different, and the handling fee is also different. ICBC has three periods, six periods, nine periods, twelve periods, eighteen periods and twenty-four periods, and the handling fee is 1.65% for three periods respectively. 3.6% in the sixth period; 5.4% in the ninth period; 12 periods of 7.2%; 18 periods, 11.7%; 24 periods, 15.6%; Charge a one-time handling fee.

ICBC's credit card is the credit card with the highest circulation in China. The main types of ICBC's credit cards are: Peony International Credit Card, Peony Credit Card and Peony Credit Card; According to the brand of ICBC credit card, it is divided into: Peony Visa Card, Peony MasterCard and Peony American Express Card; According to the credit rating, it is divided into: platinum card, gold card and ordinary card; According to the issuing object, it is divided into business cards and personal cards, in which personal cards are divided into main cards and auxiliary cards.

card classification

Peony quasi-credit card is a quasi-credit card issued by China Industrial and Commercial Bank, where the cardholder deposits a certain amount of reserve fund as required, and can overdraw within the specified credit limit when the balance of the reserve fund account is insufficient. Peony quasi-credit card can be used in China, China, Macau, China and UnionPay acceptance points in Thailand, South Korea, Singapore and other countries for settlement in RMB, with the functions of transfer settlement, cash deposit and withdrawal, credit consumption and so on. This peony quasi-credit card is a quasi-credit card with China characteristics, which has no precedent in other countries in the world. The emergence of this quasi-credit card is a reflection of the imperfect credit system in China. Peony quasi-credit card has stopped issuing. The peony credit card and peony international credit card that really meet the needs of the public are the development direction.

Peony International Credit Card

Peony International Credit Card is a credit card product with international standards launched by China Industrial and Commercial Bank. International cards are commonly used at home and abroad, and are settled in RMB and a certain designation. Peony International Card adopts the circulating credit transaction method, which overdraws the consumption within the credit limit. If it is repaid in full before the due repayment date, it can enjoy the interest-free repayment discount. The card is universal.

Peony Credit Card

Peony Credit Card is a credit card issued by Industrial and Commercial Bank of China, which gives cardholders a certain credit limit and allows them to spend first and then repay. The credit card adopts the circulating credit transaction method, which overdraws the consumption within the credit limit. If it is fully repaid before the due repayment date, it can enjoy the interest-free repayment discount. Peony Credit Card can be used in China, China and Hongkong, China and Macau, and UnionPay acceptance points in Thailand, South Korea, Singapore and other countries. It is settled in RMB and has the functions of transfer settlement, cash deposit and withdrawal, credit consumption and so on.

Peony Credit Card

Peony Credit Card is a credit card issued by Industrial and Commercial Bank of China, which is limited to RMB credit cards used in the People's Republic of China. Settlement in RMB, with credit consumption, transfer settlement, cash deposit and withdrawal and other functions. Peony credit cards are divided into business cards and personal cards according to different issuers; According to different credit grades, it is divided into gold card and ordinary card.

how to handle installment repayment with ICBC's credit card

If you hold a Peony Credit Card personal card, the card and account status are normal, and if you need to handle consumption installment for qualified consumption, you can apply from the date when the consumption transaction is recorded to the due repayment date (inclusive).

you can log in to mobile banking and apply for credit card installment through the function of "credit card-installment payment".

in addition, you can also handle installment payment through online banking, ICBC e-Life app, SMS banking (SMS installment is only for customers who receive installment marketing messages), calling 95588 manually, holding a card and valid personal identification documents, and through channels such as designated business outlets and smart terminals of outlets where you handle the card.

(Answer time: April 21, 222. In case of business changes, please refer to the actual situation. )

How to installment ICBC's credit card

How to installment ICBC's credit card:

You can go to online banking (icbc.com.cn) to apply for installment, enter the home page and click "Credit Card", then click "Installment Payment" in the business processing, and then follow the prompts.

You can bring your ID card and credit card to the branch counter of ICBC to apply, and then ask the staff for help when you arrive at the branch.

Peony International Credit Card

Peony Credit Card

Peony Credit Card can be used in China, China, Macau, China, and UnionPay acceptance points in Thailand, South Korea, Singapore and other countries. It is settled in RMB, and has the functions of transfer settlement, cash deposit and withdrawal, credit consumption and so on.

Peony Credit Card

if it is a universal card, the credit limit can be automatically increased.

If the card meets the following criteria and there is no bad credit record, ICBC can automatically upgrade the credit limit:

If the accumulated consumption of 5 yuan is not less than 3 months after opening the account, the credit limit can be adjusted to 5 yuan;

The credit line can be adjusted to 1 yuan at least 3 months after reaching the credit line level in 5 yuan and the accumulated consumption is more than 5 yuan (inclusive);

the credit line can be adjusted to 2, yuan at least 3 months after reaching the credit line level in 1 yuan and the accumulated consumption is more than 5 yuan (inclusive).

if the local card issuer has special regulations, it is not applicable to this service.

You can also call the customer service hotline of ICBC and select 2 Manual Service -2 Credit Card Service to propose a credit line adjustment. After adjustment, the credit line is not higher than 2, yuan.

ICBC credit card, how to apply for installment after consumption?

You can apply for installment from the second day of consumption to three days before the due repayment date

ICBC credit card installment policy:

(1) Bottom line of installment amount: the amount of a single installment transaction is greater than or equal to 6 yuan RMB/HK$ and 1 yuan USD/Euro; The installment amount of the bill: 8 yuan

(2) Handling fee collection method: one-time payment in the first installment

(3) Application method: telephone 95588 to apply for online banking application at the counter

(4) Application time: from the second day of consumption to three days before the due repayment date

(5) Handling fee ratio:

1.95% in the third installment

a single consumption of p>24 installments of 15.6%

2, yuan, assuming that you apply for 12 installments, the first installment is still: 2 ÷ 12+2× 7.2% = 166.67+144 = 31.67 yuan (approximately). In the future, it will be 166.67 yuan (about) per issue. Generally, ICBC will collect the odd parts of subsequent periods in the first period, so the first period will be paid more, and the subsequent periods will be paid in whole numbers.

supplement: the online banking prompts that there is no matching transaction, and my personal opinion is probably that the single 6+ credit card spending is not satisfied.

can ICBC credit cards apply for installment repayment online?

Yes, how to apply for installment repayment. 1. Telephone application: The cardholder can call the credit card center of the bank to transfer to manual customer service and apply for cash installment from the customer service staff. The cardholder chooses the installment number, installment amount, debit card account number and borrowing reason. People choose the installment number, installment amount, debit card account number and borrowing reason. 2. Online banking application: The cardholder logs on the official website of the bank and chooses to apply for cash installment. The cardholder chooses the installment number, installment amount, debit card account number and borrowing reason. The cardholder can complete the application by entering the dynamic password and the cash withdrawal password.

This concludes the introduction of ICBC credit card application for installment repayment and when the SMS reminder will come. I wonder if you found the information you need?

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