Instalments can be applied for consumption, but installments cannot be applied for cash withdrawals. The cash withdrawals need to be repaid before the due payment date. At that time, the minimum repayment amount will be shown on the bill. If you cannot repay in full, you can repay according to the minimum repayment amount in the bill.
When the single consumption amount is greater than or equal to 1,000 yuan, you can apply for consumption installments from the time of consumption to three days before the bill date. It is easy to apply through CCB online banking, credit card service hall, customer service hotline, etc. You can choose 3, 6, 12, 18 or 24 installments (one installment per month) for consumption installments. The corresponding handling fees are 0.7%, 0.6%, 0.6%, 0.6% and 0.6% respectively. (Monthly handling fee = total installment amount * handling rate) Taking 2000 as an example, if you apply for 12 periods, the repayment for each period is: 2000/12+2000*0.6%=178.66 yuan.
If there are multiple small purchases, or there is no time to apply for consumption installment, you can also apply for bill installment between the time the bill is settled and the due date of repayment. The minimum bill installment application amount is RMB 500, and the maximum amount cannot exceed 90% of the total RMB consumption amount in the issued bill (excluding cash withdrawals, installment payments, and other transactions specified by the bank). The number of bill installments can be selected from 3, 6, 12, 18, and 24 installments, and the corresponding base rates are 0.75%, 0.70%, 0.60%, 0.60%, and 0.62% respectively (Note: monthly handling fee = total installment amount *The handling fee will be recorded and charged on each billing date after the installment.) From 2014-04-01 to 2014-06-30, the installment of Long Card credit card bill is less than 50,000 (inclusive) and 50,000 to 80,000. , 80,000 (inclusive) and above can enjoy 10% off, 15% off, and 20% off on the (new) base fee rate respectively. Still taking 2000 as an example, that is, 2000*90%=1800 yuan can apply for bill installment, and the uninstalmented 200 yuan must be paid before the current bill is due. The installment amount will be repaid monthly starting from the next bill. The repayment payable in each period is: 1800/12+1800*0.54%=159.72 yuan.
If you need cash and want to repay in installments, you can apply for cash installments.
Log in to the CCB Credit Card homepage, click "Dragon Card Mall", after entering, select "Dragon Card Cash Installment" on the left to apply. The application amount must be an integral multiple of 100 yuan, with a minimum of 500 yuan, a maximum of no more than the cardholder's available credit limit (excluding overpayments and temporary limits), and a cumulative total of no more than RMB 50,000. The number of periods can be selected from 3, 6, 12, and 24 periods, and the handling fees are 2.4%, 4.2%, 7.8%, and 15% respectively. The handling fee will be recorded and collected in one lump sum on the first billing day after the installment.
When applying, you need to fill in a RMB settlement account such as a debit card, quasi-credit card, passbook, etc. that you opened with China Construction Bank. The cash installment will be reviewed in real time and the review results will be issued. Once the review is passed, the payment will be issued immediately. To the debit card, it will be credited immediately.
Assuming that the application amount is 20,000 yuan, and 12 installments of cash installments are processed, the handling fee is: 20,000*7.8%=1,560 yuan, and the principal payable in each period is: 20,000/12=1,666.66 yuan.