How many installments can CCB credit card installment be divided into?
1. Bill installment: When using CCB credit card for bill installment, it can be divided into 3 installments (0.75), 6 installments (0.70), 10 installments period (0.65), 12th period (0.60), 18th period (0.60), 24th period (0.62).
2. Cash installment: When using China Construction Bank credit card for cash installment, it can be divided into 3 installments (0.81), 6 installments (0.75), 12 installments (0.75), 18 installments (0.75), 24 installments ( 0.75).
3. Consumption installment rate: When using China Construction Bank credit card for consumption installment, it can be divided into 3 installments (0.70), 6 installments (0.60), 10 installments (0.6), 12 installments (0.60), 18 installments period (0.60), 24 periods (0.60).
China Construction Bank (China Construction Bank) was established on October 1, 1954. The head office is located at No. 25 Financial Street, Beijing. China Construction Bank's main business areas include corporate banking, personal banking and treasury services. It has branches and subsidiaries in 29 countries and regions, and owns funds, leasing, trusts, life insurance, financial services, etc. subsidiaries in various industries such as insurance, investment banking, futures, and pension funds.
China Construction Bank has a broad customer base and maintains banking business relationships with a number of large enterprise groups and leading enterprises in China's strategic economic industries. Its marketing network covers major regions across the country. On June 30, 2016, the British "Banker" magazine released the "Ranking of the World's 1,000 Largest Banks", and China Construction Bank ranked second.
In December 2018, the "Top 500 World Brands 2018" compiled by the World Brand Laboratory was announced, and China Construction Bank ranked 203rd. In July 2019, it was selected into the 2019 Fortune Global 500. Ranked 40th on the list of the top 100 Chinese enterprises under the "One Belt, One Road" initiative. In December 2019, China Construction Bank was selected into the 100 Model Brands at the 2019 China Brand Power Ceremony.
On December 18, 2019, the People’s Daily released the China Brand Development Index 100 list, with China Construction Bank ranking 25th. On January 4, 2020, it won the "Sustainable Development Benefit Award" of the 2020 Finance Evergreen Award. In March 2020, it was selected as the 13th among the top 500 global brands in 2020.
After China Construction Bank was restructured into a state-controlled joint-stock commercial bank, its name was China Construction Bank Co., Ltd., referred to as China Construction Bank. China Construction Bank Co., Ltd. inherited the commercial banking business and related assets, liabilities and equity of the former China Construction Bank.
China Construction Bank has a broad customer base and maintains banking business relationships with a number of large enterprise groups and leading enterprises in China's strategic economic industries. Its marketing network covers major regions across the country and has more than 13,600 branches. .
After the establishment of China Construction Bank Co., Ltd., strategic investors will be introduced to further diversify equity and improve the corporate governance structure. At the same time, we will continue to comprehensively promote various management reforms, promote performance improvement, and strive to build China Construction Bank Co., Ltd. into a modern joint-stock commercial bank with sufficient capital, strict internal control, safe operation, good services and benefits.
What is the handling fee for CCB credit card bill installment?
The handling fee collection rules for CCB credit card bill installment are:
1. The base rate for bill installment is 0.75 for 3 periods, 0.70 for 6 periods, 0.65 for 10 periods, 0.60 for 12 periods, 0.60 for 18 periods, and 0.62 for 24 periods, charged on a monthly basis;
2. Monthly handling fee = monthly rate for total installment amount;
3. If the current repayment amount listed on the bill is paid in full before the due repayment date, the principal repayment of the current month's installment can enjoy interest-free treatment and no interest will be charged.
Extended information:
CCB credit card installments are divided into: bill installments, cash installments, car purchase installments and consumption installments. Different installment methods have different handling fees.
1. Bill installment: The rates for bill installment are 0.75 for 3 periods, 0.70 for 6 periods, 0.65 for 10 periods, 0.60 for 12 periods, 0.60 for 18 periods, and 0.62 for 24 periods. Monthly handling fee = monthly rate for total installment amount.
2. Cash installment: The cash installment rate is 0.81 for 3 installments, 0.75 for 6 installments, 0.75 for 12 installments, 0.75 for 18 installments, and 0.75 for 24 installments. Monthly handling fee = monthly rate for total installment amount. If the current repayment amount listed on the bill is paid in full before the due payment date, the customer can enjoy interest-free treatment for the principal repayment of the current month's installment.
3. Car purchase installment: The car purchase installment fee can be charged in one go or in installments, and will be reflected in the first month's bill after the transaction. Cardholder handling fee = installment amount × cardholder handling fee. The handling rates will vary depending on the dealer or car model selected by the customer. After the application is successful, the customer only needs to repay the current repayment amount listed in the bill in full before the due repayment date, and the principal repayment in the current month's installment can enjoy interest-free treatment.
4. Consumption installment: The handling rate for consumption installment is divided into 0.70 for 3 periods, 0.60 for 6 periods, 0.6 for 10 periods, 0.60 for 12 periods, 0.60 for 18 periods, and 0.60 for 24 periods according to the number of periods applied by the customer. Handling fee for each installment = handling fee for the amount corresponding to the number of installments.
Warm reminder: 1. The above quotation is the base price of the head office. For details, please refer to the prompts of our bank during actual processing.
2. If the current repayment amount listed on the bill is paid in full before the due payment date, the customer can enjoy interest-free treatment for the principal repayment of the current month's installment.
3. If the customer has other installment needs, it is recommended that the customer call the China Construction Bank hotline 95533 and follow the voice prompts to select "Credit Card Business". ”
Can CCB credit card be repaid in installments?
CCB credit card can be repaid in installments.
Currently, CCB offers car purchase installments, decoration installments, merchant installments, There are six types of installment services: consumption installment, bill installment and cash installment. Car purchase installment and decoration installment refer to buying a car and decorating a house in installments. Merchant installment refers to installment transactions at merchants that cooperate with CCB. Cash installment means withdrawing cash with a credit card and then repaying it in installments. . Consumption installment refers to applying to the bank for installment repayment before the bill date. Bill installment means applying to the bank for installment repayment after the bill is issued.
The method of applying for credit card installment at China Construction Bank is as follows:
1. Apply for installment by text message with CCB credit card. Use the mobile phone number reserved at CCB, edit the text message "CCZZ#last 4 digits#amount#issue" and send it to the official phone number of CCB to apply for installment repayment
Operating environment:
Brand model: Xiaomi 12Pro
System version: Android11MIUI13
App version: v5.6.7.001
2. CCB Credit Card Mobile Banking Installation. Enter "CCB Mobile Banking", click "Credit Card" - "Bill Installment Application" and follow the prompts to fill in.
Operating environment:
Brand model: Xiaomi 12Pro
System version: Android11MIUI13
App version: v13.2.0.10
3. Use Baidu online installment with CCB credit card. After logging into the official website of China Construction Bank, personal online banking users select "Credit Card Inquiry" - "Select" - "Query Issued Bills" - "Apply for Bill Installment"
4. Call CCB credit card installment by phone. Enter the CCB credit card customer service phone number and follow the prompts.
China Construction Bank credit card can be divided into up to 24 installments. Construction Bank credit card installments include: bill installments, cash installments, car purchase installments, and consumption installments. The installment handling fees for these four installments are different. The installment handling fees As follows:
1. Construction Bank credit card cash installment rates: 0.81 for 3 periods, 0.75 for 6 periods, 0.75 for 12 periods, 0.75 for 18 periods, and 0.75 for 24 periods.
2. Construction Bank credit card bill installment rates: 0.75 for 3rd period, 0.70 for 6th period, 0.65 for 10th period, 0.60 for 12th period, 0.60 for 18th period, and 0.62 for 24th period.
3. The installment rate for car purchases with China Construction Bank credit card will be determined based on the car dealer and model you choose.
4. Construction Bank credit card consumption installment rate: 0.70 for 3 periods, 0.60 for 6 periods, 0.6 for 10 periods, 0.60 for 12 periods, 0.60 for 18 periods, and 0.60 for 24 periods.
Basic information on CCB credit card installment "Bill Installment"
1. Introduction to CCB Credit Card Installment "Bill Installment" business
Bill installment refers to the billing date Between the date and the final repayment date, the cardholder applies to our bank for amortization of a certain amount of RMB consumption that has been billed (can only be applied for once in 30 days). The minimum application amount is RMB 500, and the maximum amount shall not exceed 90% of the total RMB consumption amount in the issued bill (excluding cash withdrawals, installment payments and other transactions specified by our bank).
2. Advantages of CCB’s credit card installment “bill installment” business
Convenient application - apply at any time via website, text message, or phone, and know the application results in real time
Issue Flexible number of installments - 3, 6, 12, 18, 24 and other installments for you to choose
Amount of your choice - up to a bill balance of 90, one-time package application
Easy repayment - the first installment principal and handling fee will be credited to the next month's bill, and you can enjoy a longer interest-free period
Free consumption - you can apply for any credit card consumption
3. CCB Credit Card Installment "Bill Installment" Application Channel
1. WeChat Application
Follow the "China Construction Bank" public account, bind the credit card, and click "Credit Card" - "Bill Installment" ”-“Click here to apply for installment”.
2. SMS application
Use the mobile phone number reserved in our bank to edit the text message "CCZZ#last 4 digits#amount#issue" and send it to 95533.
3. Mobile banking application
Enter "CCB Mobile Banking" and click "Credit Card" - "Bill Installment Application".
4. Online application
Personal online banking users please click Apply for Bill Installment and select "Credit Card Inquiry - Select - Query Issued Bills - Apply for Bill Installment".
Credit card channel registered users please click Apply for Bill Installment and select "-Bill Issued-RMB-Apply for Bill Installment".
5. Telephone application
Call 400-820-0588
If you need help, please call 400-820-0588 and transfer to manual service (non-400 service area Please dial 021-38690588, from overseas please dial 86-21-38690588).
4. CCB Credit Card Installment "Bill Installment" Handling Fee Charging Standard
Note: Monthly handling fee = total installment amount handling rate, which will be calculated on each bill after the installment It is recorded and collected on a daily basis.
The above is the base reference price. Our bank has the right to fluctuate up or down based on market conditions and customer qualifications. The specific price shall be subject to notification when the customer applies.
How to repay in installments with CCB credit card
Operating environment:
Brand model: OnePlus 10Pro
System version: ColorOSV12.1
App version: v5.6.7
The CCB credit card installment application method is as follows:
1. CCB credit card SMS application for installment.
Use the mobile phone number reserved with China Construction Bank, edit the text message "CCZZ#last 4 digits#amount#issue" and send it to the official phone number of China Construction Bank to apply for installment repayment.
2. CCB credit card mobile banking installment. Enter "CCB Mobile Banking", click "Credit Card" - "Bill Installment Application" and fill in the information as prompted.
3. CCB credit card online installment. After logging into the official website of China Construction Bank, personal online banking users select "Credit Card Inquiry" - "Select" - "Query Issued Bills" - "Apply for Bill Installment".
4. CCB credit card phone installment. To apply by phone, call the CCB credit card customer service number, enter the information and follow the prompts.
CCB Credit Card is a credit card issued by China Construction Bank. All credit cards issued by China Construction Bank are named "Dragon Card", and the types include: Dragon Card Prestigious School Card, Dragon Card Business Card, Dragon Card Car Card, etc.
Knowledge
No annual fee policy: swiping the Gold Card 3 times or 18 times will waive the annual fee for the following year (excluding business cards, car cards and other special cards)
p>Cash withdrawal handling fee: Domestic: 5‰ of the transaction amount, minimum 2 yuan, maximum 50 yuan; overseas: 3‰ of the transaction amount, minimum 3 US dollars.
Multiple account management: Limit ***Enjoy multiple CCB cards with the same billing date and independent repayment
Online payment: Alipay: You can use it after online registration, single payment and single payment The daily limit is 500 yuan
Instalment business: interest-free installments (3, 6, and 12 installments) from specific merchants are supported. After a single purchase of more than 1,000 yuan, you can call to apply for installments (3, 6, 12, 18, 24 installments). Each installment will incur different handling fees depending on the number of installments
Billing date: every month There are multiple billing dates, and the cardholder can change it once a year during the validity period of the card
Currency: RMB, RMB/USD, RMB/EUR.
Interest
During the interest-free repayment period: The interest-free repayment period refers to the interest-free period for consumption transactions enjoyed by cardholders who repay in full on time. The interest period starts from the bank accounting date to the repayment date, with a minimum of 20 days and a maximum of 50 days. Overdraft cash withdrawal transactions do not enjoy the interest-free repayment period.
Tips:
If you fail to repay the loan in full before the due payment date, you will not enjoy the interest-free period. China Construction Bank will charge interest at a daily rate of 5/10,000 and compound interest on a monthly basis. The interest accrual date is from the date of consumption to the repayment date, and the interest accrual principal is calculated based on the actual amount payable.
If you fail to repay before the due payment date or the repayment amount is less than the minimum repayment amount, China Construction Bank will not only charge interest according to regulations, but also charge the unpaid portion of the minimum repayment amount. 5. Charge late fees.
That’s it for the introduction of CCB credit card bill installment.