Bank of Communications credit card installment business includes single consumption installment, balance installment and automatic installment.

Use process of automatic bill installment application:

1. Customer application: log in to online banking or mobile banking to apply for automatic billing installment service, and the system will prompt the application approval result at that time.

2. Signing confirmation: confirm the signing account (RMB, USD), the lower limit of installment amount, the upper limit of installment amount and the number of installments.

3. Automatic installment: After signing the contract successfully, the consumption of the designated merchants whose transaction amount is greater than or equal to the lower limit of installment amount and less than or equal to the upper limit of installment amount in your signing account will be automatically converted into installment plan according to the number of installments you signed.

Extended data:

Conditions for applying for installment payment:

1. The total amount of RMB or USD transactions applied for installment business cannot be higher than the total amount of consumer arrears in the credit line RMB account or USD account of the cardholder at the time of application;

2. The total amount of each installment business that the cardholder applies for occupying the credit line cannot be higher than the fixed credit line of the credit card when applying for installment payment.

Neither the cardholder's deposit in the credit card account nor the temporarily increased credit limit can increase the amount used for installment business transactions.

Matters needing attention in applying for installment payment:

1. If the cardholder applies for installment payment for a single consumption, the actual amount of the installment payment transaction (hereinafter referred to as "installment amount") is the lower of the original transaction amount and the consumption arrears of the currency account corresponding to the credit card at the time of the actual installment payment transaction.

Cardholders are not allowed to choose or change the installment transaction amount at will;

2. When the credit card is converted into installment transaction, if the balance of consumption arrears in the corresponding currency account is lower than the initial installment amount due to credit card repayment or any other reason, the original transaction will not be converted into installment transaction;

3. If the cardholder applies for installment payment of consumer arrears, he can choose any amount of consumer arrears that meets the application conditions (which must meet the above "installment amount conditions") to be converted into installment payment.

Bank of Communications Credit Card —— "Divide if you want" installment business