If the credit card installment has been realized, then the cardholder cannot cancel it. However, you can choose to prepay. It is worth noting that the cardholder must have enough funds to repay in full before he can apply to the bank for early settlement of the installment. In addition, the prepayment installment fee still needs to be paid, but no additional prepayment fee will be charged.
First, the meaning of credit card bill installment
1. There will be a billing date and repayment date every month. After the bill comes out, if the funds are insufficient, you can apply for installment repayment. Installment of bills means installment repayment. The bank will charge interest on the installment payment of this bill.
2. Credit card bill installment is a kind of credit card installment. This kind of installment payment means that the credit card holder asks the credit card center to return the consumption amount to the bank in installments after using the credit card to swipe the card.
3. 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. Generally, as long as there is no bad personal credit record, you can get approval.
Second, under what circumstances can't it be staged?
There are at least three situations in which bill installment payment is not allowed:
1, installment cannot be done without bills;
2. Consumption that has been staged cannot be staged again;
3. Withdrawal of consumption cannot be phased.
Third, the benefits of installment payment.
1, enjoy first, then pay.
2. The application starting point is low. You can apply for installment payment as long as you spend RMB in 600 yuan or HK$ 65,438+000 or Euro in 600 yuan at one time.
3. Select more cycles. The staging period is divided into 3 months, 6 months, 9 months, 12 months, 18 months, 24 months and 36 months. The cardholder can choose seven installments, repay in advance, or extend the period.
4. No guarantor is needed, and the application procedure is simple. Swipe your card through the designated merchants of ICBC, go to ICBC's business outlets and call 95588 customer service number, which can be easily handled.
5. Repayment is easy. Use the statement to remind repayment every month, and you can also open SMS to remind repayment every month. You can choose business outlets, self-service terminals, online banking, telephone banking, mobile banking and other repayment channels. You can also specify an account for automatic repayment. Industrial and Commercial Bank of China is exempt from handling fees for prepayment by installments.
6. Provide extended functions. You can postpone the installment payment through telephone banking and counters, extend the installment payment period, reduce the monthly deduction amount and reduce the repayment pressure of cardholders; To apply for extension, the cardholder shall be charged an extension fee according to the extension fee standard.
7, avoid embarrassment, spend more than you are afraid of.
8. Reasonable financial management, more reasonable financial management.
9. Accumulated points and shopping mall consumption can be discounted or given in full.