The cardholder has successfully processed the bill installment. If the applicant applies for prepayment, the installment business will be terminated for the cardholder after confirmation by CCB, and the installment fee charged will not be refunded; At the same time, the cardholder must pay all the remaining principal and handling fee in one lump sum.

If the cardholder fails to repay in full according to the bill before the due repayment date, the interest on the principal payable in installments of the current bill shall be calculated from the billing date of the current period. The installment fee and installment principal amount listed in the cardholder's bill for each installment are fully included in the current minimum repayment amount. If the cardholder fails to return the minimum repayment amount listed in the bill, he must also pay the repayment penalty in accordance with the provisions of the credit card collection agreement.

Extended data

Repayment procedures:

1. Repayment in full in advance: after the loan bank verifies that the relevant materials are correct, it will go through the formalities of prepayment in full.

2. Early repayment with the same loan term: the loan bank instructs the borrower to fill in the relevant agreement. If the original loan guarantee method is mortgage+insurance and mortgage registration has not been done, you need to go to the insurance company designated by the city center with the original insurance policy, your ID card and relevant agreements to go through the formalities of reducing the insured amount, and the final agreement should be sent to the corresponding sub-center by the loan bank in time.

3. If the original loan guarantee method is mortgage+insurance and the mortgage registration has been completed, the borrower who chooses non-mortgage+insurance applies for partial repayment in advance and shortens the loan period: the loan bank instructs the borrower to fill in the relevant agreement, and the signed agreement is sent to the corresponding sub-center in time by the loan bank.

4. The original loan guarantee method was mortgage+insurance, which is still within the insurance period, and the mortgage registration has not been completed: the borrower can apply for partial repayment in advance and shorten the loan period, and can go directly to the guarantee center for handling.

China Construction Bank-Longka Credit Card Bill Installment Business Terms

Baidu encyclopedia-advance payment