How to repay the credit card bill of China Merchants Bank after installment

Many cardholders do not know how to repay the credit card of China Merchants Bank after installment, and they do not know how much each installment will cost. Credit card bill installment refers to dividing the bill into several installments for repayment. The amount of repayment in each installment is the total amount divided by the number of installments, plus some handling fees. Let's take a look at it.

China Merchants Bank Credit Card can provide cardholders with the choice of 2, 3, 6, 1, 12, 18, 24 and 36 installments, and the corresponding fee rates for each installment are,,,,, and. The cardholder can choose any number of installments he wants. When the bill installment is successfully applied, the installment amount will be included in the bill from the next installment, and the fee for each installment will be the same as that of the previous installment.

in other words, after the successful bill installment, the cardholder only needs to repay the remaining bill amount after deducting the bill installment amount at the due date. After that, the repayable principal of each installment of the bill = the total amount of installment principal ÷ the number of installments. The repayable principal of each installment (accurate to the minute) is credited to the cardholder's credit card account every month, and the remainder is credited to the last installment.

handling fee per installment = total installment amount × handling fee rate per installment, and the minimum handling fee per installment is 5 yuan.

to put it bluntly, what is the amount of your current bill? If it is 5, yuan, what is the installment amount of the application bill? 3, yuan, divided into three installments, is required to be repaid on the due date of this installment? 2, yuan. After that, what is the principal payable in each installment of the bill? 1, yuan, and the handling fee for each period is 3,× yuan, which will be paid off in three installments.

as for the specific repayment method, China merchants bank's bill installment repayment is similar to general repayment. as long as you know the amount to be repaid, you can repay it through online banking, mobile app or third-party payment platforms such as AliPay and wechat.

how can China merchants bank repay the loan by e-installment? Understand the two repayment methods

Friends who have known about E-installment of China Merchants Bank should know that E-installment has an independent quota, and it will not occupy the credit line when using E-installment quota for installment of consumption or bill. However, after the successful e-installment, the repayment must be made on time every month. Then, how can China Merchants Bank repay in e-installment? Do I have to repay my credit card or do I need to repay it separately? Let's take a look at it.

how can China merchants bank repay the loan by e-installment?

when applying for e-installment of China Merchants Bank for the first time, China Merchants Bank will open a separate e-installment account for users, mainly to record the e-installment accounts of users and for repayment. Therefore, China Merchants Bank e-installment cannot directly repay the credit card account every month, but must repay the e-installment account separately.

in addition, e-installment account repayment cannot be made through online banking, mobile banking or third-party payment platforms (Alipay, WeChat) of other banks, and repayment must be made in China Merchants Bank system. As for how to repay, there are two repayment methods: self-help and self-deduction.

Different repayment methods have different processes:

1. Self-service repayment: You need to make the final repayment on the credit card through Pocket Life, mobile banking and online banking, select the e installment account, click the repayment button and follow the prompts.

2. Self-deduction repayment: In advance, you need to bind the "one-card" of China Merchants Bank in your credit card account and deposit enough money into the one-card, and the bank will automatically deduct money from the one-card on the last repayment date of the credit card.

The above is "How can China Merchants Bank repay by e-installment?" Related introduction of. In a word, China Merchants Bank needs to repay the e-installment account separately every month, and can only repay it in two ways: self-service and self-deduction, and cannot directly transfer the credit card account for repayment.

How to repay the handling fee after the credit card of China Merchants Bank has been divided into several installments

The installment repayment methods of China Merchants Bank Credit Card are as follows:

1. Repayment by Pocket Life:

Download the official APP of China Merchants Bank Credit Card "Pocket Life" on your mobile phone, and you can repay as prompted; (Jingxiang said card A)

2. Repayment by mobile banking:

You can log in to China Merchants Bank's mobile banking, find "Repayment Management", and immediately restore the line after repayment;

3. Online banking repayment:

You can log in to the popular version or professional version of China Merchants Bank's online banking, and directly operate the repayment on the online banking to immediately restore the line;

4. Customer service hotline:

Call the credit card customer service hotline and directly inform the business that needs to be handled and applied.

how to repay the credit card general ledger of China merchants bank by installment? The prepayment fee is collected according to the actual amount.

The general ledger installment of China Merchants Bank is also a method of credit card bill installment, in which the invoiced amount and the unbilled amount are aggregated together for installment. It is also necessary to repay after the installment is successful. Here, let's introduce the installment repayment of China Merchants Bank's general ledger.

how to repay the credit card general ledger of China merchants bank by installment?

before repayment, it is necessary to determine the amount to be repaid, especially after the installment is successful. Usually, after the successful installment of the general ledger, the installment amount that has been successfully processed is included in the amount owed by the next bill, and only the amount of the installment part needs to be repaid before the end of the final repayment date.

For example, if the invoiced amount is 1 yuan and the unbilled amount is 1 yuan, and the installment amount of the general ledger can be 2,7 yuan, then the remaining unpaid amount in 3 yuan needs to be repaid before the end of the final repayment date.

there are many repayment methods, such as manual transfer, automatic repayment with a debit card, and early repayment even if you have sufficient funds in your hand. However, you can't transfer money or deposit money directly into the credit card if you prepay the total credit bill by installments, but you need to call the credit card service hotline to apply to the bank before the billing date.

It should be noted that the credit card general ledger of China Merchants Bank will repay in advance by installments, and the remaining handling fee will not be exempted. After receiving the cardholder's application for prepayment, the bank will calculate all the remaining principal and undistributed handling fee at one time, and include them in the minimum repayment of the next bill, and you will have to pay back as much as you have, and installment and minimum repayment amount are not supported.

The above is the related introduction of "How to repay the credit card of China Merchants Bank by installment", and I hope it will be helpful to everyone. If you handle the general ledger installment, you'd better repay it on schedule. It's not cost-effective to repay in advance. It's better to invest your money in a place where you can earn interest.

Let's stop here for the introduction of how to repay by installment with China Merchants Credit Card.