When a customer applies for a credit card, the default repayment method is "equal principal repayment". At present, the method of "repaying the principal at maturity" is only invited by Industrial Bank, and the cardholder's initiative application is not accepted for the time being.

The "Cumulative Consumption Amount" in the current bill will be automatically divided into stages after meeting the dividing conditions set by the cardholder. If the cardholder chooses the method of "equal repayment of principal", he needs to repay the installment principal in equal amount every month; If the cardholder chooses the method of "repaying the principal at maturity", the amount of "installment principal/number of installments *20%" shall be repaid in each installment before the last installment, and the remaining installment principal shall be fully repaid in the last installment.

Wonderful rights are as follows:

1: You can enjoy VIP service of domestic flights departing from airports in more than 20 central cities in China. You can travel freely unlimited times, and you can bring four people for free that year.

2. You can enjoy free medical care in dozens of central cities and some well-known medical service institutions in China.

3. Enjoy high traffic accident insurance.

4. Enjoy the golf service.

Only credit cards with normal status can be automatically phased. If the credit card is in an abnormal state, it cannot be phased automatically.

Abnormal conditions include but are not limited to:

1. The credit card is cancelled, frozen, terminated or expired by the cardholder or our credit card center for any reason.

2. The cardholder fails to pay any unpaid amount on time or there are any other unpaid items in the credit card account.

3. The cardholder violates the Credit Card Collection Contract of Industrial Bank or any provision in this clause.

If the above situation is effectively handled and the credit card returns to normal state, the automatic installment function will be restored immediately.

Industrial Bank Li Xiang Credit Card Platinum Card