What should you pay attention to when applying for credit card home improvement installment? The advantage of credit card home improvement installment is that there are more banks to choose from, but the disadvantage is that there are more materials to review. "Using a credit card to pay in installments is equivalent to the bank helping the cardholder advance the consumption amount, and the cardholder then pays the money back to the bank in monthly installments. No matter which decoration loan method, there are advantages and disadvantages, it is recommended that you choose the method that suits you. Today we will take a look at the precautions and application methods for home improvement installments!

The business process for handling home improvement installments:

1. Customers fill out the application form at a CCB branch. And submit ID cards, real estate certificates and other relevant materials;

2. CCB accepts customer applications and notifies customers of the approval results;

3. Customers apply to CCB for support based on the progress of house decoration. Use the credit limit;

4. CCB issues the decoration credit to the credit card/debit card account under the customer’s name; 5. The customer uses the special debit card to make purchases at our bank’s designated merchants and pay according to the credit card statement List the repayment amount.

If you need to apply, you must submit the following application materials at the designated acceptance points of CCB (designated acceptance points include CCB outlets, personal loan centers, etc., the application materials required by different regions may be slightly different. , the details shall be subject to the local CCB promotion):

1. Identity documents of myself and the owner of the house

; 2. Property certificate of the house to be renovated;

3. Proof of the relationship between the applicant and the owner of the property;

4. Proof of work and income and financial resources;

5. "Long Card Credit Card Decoration Installment Business Application Form"

1. Credit card decoration installment payment requires a designated decoration company

China Merchants Bank has currently launched a large-amount decoration installment contract, which can cover almost all decoration payments. However, if you want to enjoy this. For this business, you must sign an agreement with a designated decoration company to obtain a large amount of decoration funds. This decoration installment business does not occupy the cardholder's credit limit, and the relevant funds will be directly deposited into the decoration company's account without going through the credit card holder. Cardholder account. However, for the same installment, the installment payment fee will be different depending on the merchant you choose.

2. Ordinary credit card installment payment can also be used for decoration.

In fact, for large businesses. For some cardholders, if they do not need to pay in installments for labor costs during the renovation process, there is no need to apply for credit card renovation installment payments. This can save a lot of application time. Currently, most banks have consumption installment plans. For payment items, in many professional large-scale decoration supermarkets, the credit card center will also hold installment payments from time to time. In addition to appropriately reducing the installment fee, you can also get gifts of varying amounts. Home decorators can pay in these large-scale decoration markets. One-stop solution for all home decoration items can also achieve the purpose of home decoration installment payment.

3. Compare the prices before applying for credit card decoration installment payment.

Since banks currently provide home decoration installment payment. When doing business, you must go to a designated decoration company to sign a decoration contract, and the decoration price covers a lot of content. It is recommended that cardholders go to the decoration market to check the market conditions before signing a contract, and compare several decoration companies of the same grade. Under the same service content, understand the different prices of each company. Of course, cardholders can also first negotiate the price with the decoration company they are ready to sign, and then discuss the installment payment business to see if there is any price difference.

After paying in installments for credit card decoration, another issue that everyone is more worried about is that once there is a project quality problem during the home decoration process, the cardholder may be in a passive position because he has paid in full. The above is what the editor will introduce to you today about the precautions and handling methods of home decoration staging. This ends here.