How to handle credit card installment
The main advantages of credit card installment are: enjoy first, then pay; Guarantee-free, simple procedures; Regular quota, easy payment; Arbitrarily choose the monthly repayment amount; There is more room to choose payment methods. So more and more people choose to pay by installment.
how to handle credit card installment?
1. Call the bank's credit card service hotline. Customers can handle the installment payment business as long as they call the credit card center, prompt by telephone voice or transfer to manual service. Amortization periods of 3, 6, 12 or longer can be selected.
2. Log on to the online banking system; Users only need to log in to the credit card page of their bank, click register online banking, set the information and log in to the online banking page. In the menu, they can choose to pay by installment, or view individual consumption, and then click apply for installment. There are 6,12 or longer repayment periods to choose from.
Take Bank of Communications as an example:
1. Open the official website of the bank and log in to personal online banking (online banking opens credit cards).
2. After logging in, enter your online banking background and select a credit card.
3. select "I want installment" on the credit card management page.
4. according to your bill, choose how many installments there are and enter the installment amount.
5. Read the "Staging Terms and Rates Table", and click "Staging" after no doubt to complete the staging operation; Xiaobian only takes the transaction behavior as an example. Other banks are basically the same, and they can also operate by stages through mobile banking.
how to apply for credit card installment
if users want to apply for credit card installment, they can apply through bank counter application, online banking application, SMS application or calling bank customer service hotline.
1. Send text messages. If your bill last month meets the requirements of installment, you will receive an installment invitation message sent by the bank. You can reply directly according to this message, even if the application is successful.
2. Online banking. Log in to personal online banking and click Credit Card Service-Installment Payment-Installment Payment-Set Summary Installment to apply for installment.
3. Call customer service. You can call the bank's customer service hotline, follow the voice prompts after the call is connected, and you can apply for staging by yourself. If necessary, you can also directly transfer to manual service for installment application.
4. Go to the banking hall. Bring your credit card and ID card to the bank counter.
5. Apply for staging through the self-service terminal. Now banks generally have self-service terminals, which can be handled by themselves.
how to handle credit card installment
1. credit card installment can be handled directly by calling the credit card customer service hotline, and the customer service staff will help the user.
2. Users can also apply for credit card installment by themselves in the mobile banking of their bank.
3. The bank provides users with different installments, and users can decide the installment number according to their income.
4. Generally, the more installments, the more fees users pay.
how to apply for credit card installment?
credit card installment can be handled directly by calling the credit card customer service hotline, and the customer service staff will help the user. Banks provide users with different installments, and users can decide the number of installments according to their income. -The more general installments, the more fees users pay.
different banks charge different fees for installment. users can repay in advance after installment, which can save fees, but the fees already collected will not be refunded. In addition, installment repayment will occupy the credit line of the credit card, and the credit line will be partially restored every time the user returns one installment.
not all the arrears can be handled when processing credit card installment repayment. for example, the generated interest, cash withdrawal limit, installment limit of the previous period, etc. cannot be repaid in installments, and the user needs to pay it off in one lump sum. The installment debt is the normal credit card spending amount of the user in the last consumption cycle.
users can ease the repayment difficulties by installment, but they can't use it often in normal times, otherwise the bank will doubt the repayment ability of users, and it will affect the credit card limit in the later stage. Therefore, don't often use the installment repayment function in peacetime, and try to repay on time.
how to apply for credit card installment repayment
credit card installment repayment method:
1. outlet handling: cardholders can bring their ID cards and credit cards to the bank business hall, apply to the staff for credit card installment, and then fill out the application form, and then they can handle it. (Jingxiang said card A)
2. Customer service telephone handling: the cardholder can call the customer service telephone of the credit card center, connect the manual service according to the prompts, and provide the ID number and credit card as required before handling.
3. wechat processing: cardholders can pay attention to the credit card center WeChat official account on wechat, and then find the installment payment entrance in the menu bar below wechat.
4. online banking: the cardholder can log in to the issuing bank official website, find the credit card column, select the installment payment service, and then log in to his personal account.
This is the end of the introduction about how to open installment payment and how to open installment payment quota for credit cards. Did you find the information you need?