The installment bank can earn interest. The Everbright installment interest is 0.6% per month. Rejection will not affect the normal use of the individual and will not lock the card. The only disadvantage is that it will affect the limit increase.

The bank determines the maximum amount that can be used within a specified period based on the credit information provided by the credit card applicant, such as income status and credit rating. The credit limit can be recycled and can be fully or partially repaid for consumption or cash withdrawal before the due date. Cardholders can also apply for credit card limit adjustment.

China Everbright Bank *** has three installments to choose from:

1. Mall installment

China Everbright Bank credit card mall installment allows cardholders to purchase through the online mall. You can buy your favorite products without worrying about insufficient funds, you can easily shop and enjoy the fun of installment payment in the credit card mall.

2. Self-selected installments

The self-selected installments of Everbright Bank credit cards can be said to be good news for cardholders. Just go through the Everbright Bank credit card customer service hotline to open the optional installment business. After the application is successful, when the user's card transaction is entered into the account, the transaction will be automatically processed as an installment payment business. Regardless of the transaction amount, it will be divided into 12 installments, without the need to apply each time.

3. Bill Installment

Ebright Bank Credit Card Bill Installment refers to the installment payment service provided by China Everbright Bank to eligible cardholders for their issued bills. After paying a certain installment fee, the cardholder can repay the unpaid portion of the consumption transaction amount of the RMB bill issued in equal installments according to the number of installments applied by the cardholder (3, 6, 9, 12 installments). .

Extended information:

Application conditions:

1. All Chinese citizens and permanent residents with full capacity for civil conduct, legal and stable income, and good credit standing Domestic foreigners and compatriots from Hong Kong, Macao and Taiwan can apply for a personal credit card master card from the card issuer with their valid documents. Note: To apply for a card, you need to attach a work certificate, and other conditions include social security, good companies such as government agencies, vehicles, houses, etc. You can contact the specific phone number

2. Main Card Holder The primary cardholder and the secondary cardholder use the same credit limit; the primary cardholder can set the usage limit of the secondary card within the credit limit; all transaction amounts and corresponding interest and fees of the secondary card will be credited to the primary card Account, the main cardholder is fully responsible for repaying the debts incurred under the main card and supplementary card.

3. Any enterprise, administrative institution, social group, other economic organization authorized by a legal person, etc. that opens a basic account at a financial institution in China, with independent legal person status, can open an account with the certificate issued by the People's Bank of China. Please submit license and other information to the card issuer to apply for a unit card. If you apply for a foreign currency unit card, you must also have a stable source of foreign exchange and an account that can legally control its foreign exchange.

Each unit can apply for several unit cards, and its cardholder qualifications shall be designated or revoked in writing by the legal representative of the applicant unit or its authorized agent. The applicant unit shall bear all debts incurred by the unit card.

4. When applying for a credit card, the applicant should fill in the application form and the authentic materials required by the card issuer correctly, completely and truthfully according to the requirements of the card issuer, and sign a contract with the card issuer. The card issuer decides whether to approve the applicant's application based on the applicant's application and credit status, whether to require the applicant to provide guarantee and the method of guarantee, and determines the credit limit.

5. The methods of guarantee provided by credit card applicants include guarantee, mortgage and pledge. The scope of the guarantee covers all outstanding debts incurred under the cardholder's credit card, and a corresponding guarantee contract should be signed for the guarantee.

6. Everbright Bank credit card issuer provides cardholders with inquiry passwords and transaction passwords through designated channels.

7. After receiving the credit card, the cardholder should immediately sign the same signature as on the credit card application form in the signature column on the back of the credit card, and use the same signature when making transactions, otherwise, it will result in The cardholder is responsible for any losses.

Baidu Encyclopedia - Everbright Bank Credit Card