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.
Credit card bill installment refers to an early consumption method in which the cardholder applies to the issuing bank for installment payment by telephone after credit card consumption and before the due repayment date.
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.
charging standards
ICBC is divided into three phases:1.65%; 3.6% in the sixth period; 5.4% in the ninth period; 12 7.2%; 1811.7%; 24 issues15.6%; One-time charge
China Construction Bank is divided into three phases, with a monthly handling fee rate of 0.7%; 0.55% in Phase 6; 12 is also 0.55%; Charge a monthly fee
The fixed rate of China Agricultural Bank is 0.6%, which is charged on a monthly basis.
China Bank is divided into three phases:1.95%; 3.6% in the sixth period; 5.4% in the ninth period; 12 7.2%; 1811.7%; Issue 2415%; One-time charge
China Merchants Bank is divided into three phases, 0.9%; 0.75% in Phase 6; 12 0.66%; One-time charge
Bank of Communications is divided into three periods, six periods, 12 periods, and 24 periods are all 0.72%, and a monthly handling fee is charged.
Everbright Bank pays 0.5% of the total installment amount in each installment, and charges a monthly handling fee.
Industrial Bank is divided into three phases, 2.4%; 3.9% in the sixth period; 7.8% of 12; 1811.7%; 24 issues15.6%; One-time charge
Minsheng Bank is divided into three phases, and the monthly handling fee rate is 0.82%. 0.7% in Phase 6; 0.67% in Phase 9 and 0.67% in Phase 12; 18 0.67%, 24 0.7%; Monthly collection program,
China CITIC Bank is divided into three phases, with a monthly handling fee rate of 0.8%; 0.8% in Phase 6; 0.76% in the ninth issue; 12 0.73%; 18 0.75%; 0.75% in 24 periods; A one-time fee of 20,000 yuan (including 20,000 yuan) or less (installment amount) will be charged, and 20,065,438 yuan +0 (installment amount) or more (installment amount) will be paid in installments according to the number of processing periods.
Ping An Bank is divided into two or three phases, and the monthly handling fee rate is 0.7%. 0.68% in stage 4~6; 0.66% in stage 7-9; 10~ 12 by 0.64%, including monthly handling fee.