1. Your credit card limit is enough to pay for consumption. If your credit card limit is only 5000 yuan, then you can't use 6000 yuan to buy goods and apply for installment payment.
2. Merchants need to support installment payment services. Not all merchants support credit card installment, so please confirm whether the merchants support credit card installment before purchasing goods.
If the above conditions are met, you can apply for installment payment according to the following steps:
1. Consumption: Use your China Construction Bank credit card to spend money in businesses that support installment payment, for example, to buy goods with a price of 6,000 yuan.
2. Apply for installment payment: When checking out, apply for installment payment from the cashier. Please provide your credit card and identification. The cashier will help you complete the installment application.
3. Pending approval: China Construction Bank will review your application for installment payment. After approval, you will receive a text message or a phone call.
4. Installment: After the installment application is approved, you can repay the arrears on schedule according to the number of installments (such as 3, 6, 12, etc.). ). The amount payable for each period is calculated according to the total number of periods, the number of periods and the handling fee. Please repay the loan on time according to the repayment date stipulated by the bank, so as not to generate overdue interest and affect your personal credit record.
It should be noted that credit card installment payment will generate a certain handling fee. Different banks, different stages, the standard of handling fees may be different. When applying for installment payment, please understand and calculate the handling fee to ensure that you can bear the corresponding expenses.