China Construction Bank (hereinafter referred to as "CCB") Longka Credit Card Holder (hereinafter referred to as "Cardholder") applies for Longka Credit Card Consumption Staging (hereinafter referred to as "Consumption Staging"), indicating that he has read and agreed to abide by the terms of this Agreement.
I. Basic Provisions on Installment Payment of Longka Credit Card Consumption of China Construction Bank
1. Consumption installment business refers to the business that the cardholder applies to CCB to divide a certain amount of consumption that has not been accounted for into several installments, and after approval, the cardholder repays it monthly and pays a certain handling fee within the agreed time limit.
2. Consumption installment is limited to the application of the main cardholder of CCB Longka Credit Card (except business card).
3. The consumption corresponding to the overpaid part and the temporary quota cannot be processed by installments, and the transactions that the cardholder applies for by installments can only be processed in full, and the installment amount cannot be arbitrarily selected.
4. Only one installment business can be applied for the same consumption transaction.
5. Transactions that cannot be used for installment consumption include: cash withdrawal, installment, real estate, securities investment, interest and various fees charged according to CCB's credit card charter and subscription agreement (such as annual credit card fee, cash withdrawal transaction fee, late payment fee, over-limit fee and other credit card fees), and transactions designated by CCB separately.
Two, the cardholder's rights and obligations to the construction bank Longka credit card installment payment.
1. After the cardholder successfully handles the consumption installment, the installment amount and the number of installments cannot be changed.
2. The cardholder's available credit line will be recovered according to the actual monthly return.
3. The cardholder shall repay the arrears on schedule according to the amount listed in the statement of Longka Credit Card. The cardholder repays in full when the amount payable in the current period listed in the bill expires, and the principal payable in installments in the current period can enjoy an interest-free period; If the cardholder fails to repay in full according to the bill, the interest on the principal payable in the current consumption installment shall be calculated from the current billing date. The installment fee and the principal payable in each installment are included in the minimum repayment amount in the current period. If the cardholder fails to return the minimum repayment amount according to the bill, he must also pay the late payment fee according to the credit card collection agreement.
4. Overpayment in the cardholder's account cannot be used to pay off the remaining principal of installment payment in advance.
5. The cardholder has successfully processed installment consumption. If he applies for prepayment, he must pay the remaining principal and installment fee in one lump sum.
6. When the cardholder applies for installment consumption, CCB will convert the transaction principal into the equivalent RMB principal according to the spot exchange selling price quoted by CCB at the time of the cardholder's telephone application, and occupy the credit line of RMB account after the exchange; After the conversion, the RMB principal amount will not be adjusted to the account; China Construction Bank operates in installments according to the principal amount of RMB, and the principal amount and handling fee payable in each installment are recorded in RMB.
7. When the cardholder's Longka credit card is suspended, or other CCB thinks that the cardholder's debt performance ability or other credit degree is reduced, the cardholder fails to perform the debt, applies for cancellation of the account, and voluntarily requests to stop the card, or the cardholder violates the relevant regulations of CCB, and the above events occur, the cardholder's installment debt is deemed to be all due, and the cardholder shall repay all the remaining debts in one lump sum, including but not limited to principal, handling fee, interest, late fee and other payables.
Three. Rights and obligations of CCB Longka credit card consumption installment bank
1. CCB has the right to decide whether the cardholder's application for installment consumption is approved.
2. CCB has the right to change the terms and expenses of this business, or postpone or terminate this business in advance according to the relevant state regulations and business needs. The above adjustments will be announced to the public through outlets, websites and e-banking. , without notice to the cardholder. After the announcement, the contents of the announcement began to be implemented, and the contents of the announcement constitute an effective modification and supplement to the agreement between CCB and cardholders from the date of implementation. If the cardholder does not agree to accept the adjustment contents of CCB, he shall apply to terminate the consumption installment service according to the CCB business rules before the announcement takes effect. If the cardholder fails to apply for termination of service before the implementation date of the announcement, it shall be deemed as having accepted the relevant adjustment of CCB. If the cardholder neither applies to terminate the service nor implements the adjusted rules, CCB has the right to choose to terminate this agreement and require the cardholder to repay all the remaining funds and the corresponding interest and late fees in one lump sum.
Fourth, others.
1. The principal amount payable for each period of consumption shall be recorded on the bookkeeping date. The amount of principal payable in each installment is equal to the total amount of principal in installments divided by the number of installments, and the amount of handling fee payable in each installment is equal to the total amount of principal in installments multiplied by the monthly handling fee rate. The calculation of the principal payable in each installment and the installment fee is accurate to decimal places. If the principal payable in each period cannot be divided by the number of periods, it shall be split by rounding, and the difference shall be adjusted in the last period. The installment fee is fully included in the minimum repayment amount of the credit card. For the installment fee rate, see the standard table of consumption installment fee rate.
2. If the transaction that has been successfully processed by consumption installment needs to be returned, the cardholder shall submit the relevant return voucher to CCB after repayment to the credit card, and call 400-820-0588 (please call 02 1-38690588 for non-400 service areas) to apply for termination of consumption installment. If a refund occurs after the successful installment of consumption, the cardholder needs to convert the amount returned from the account into RMB, and CCB will exchange it according to the exchange rate at the time of installment of consumption.
3. Cardholders should read this agreement carefully before applying for this business. If there is any doubt about the terms of the business agreement, the cardholder should call 400-820-0588 for detailed inquiry and understanding before handling the business. Before applying for this business, the cardholder shall ensure that he is fully familiar with and fully understands the meaning of the above terms and the corresponding legal consequences, and agrees to abide by the above terms and voluntarily bear the relevant risks that may arise.
4. Matters not covered in this agreement shall be implemented in accordance with the Articles of Association of China Construction Bank Longka Credit Card, the Contract of China Construction Bank Longka Credit Card and other business regulations.
How to calculate the installment repayment of CCB Longka credit card
If CCB customers apply for bill installment/cash installment/consumption installment, please try the repayment amount in the following ways: 1. Log in to mobile banking, click "Credit Card-Card Service-Bill Installment/Cash Installment/Consumption Installment" in turn to enter the business processing interface, enter the installment amount and select the installment number, and the page will display the repayment amount of each installment. 2. Log in to personal online banking, select a credit card through the menu of "Credit Card-Card Account Transaction-Credit Card Installment-Bill Installment Application/Cash Installment Application/Consumption Installment Application", enter the installment amount, select the installment number and other information, click "Next" to confirm the installment application information interface, and the page displays the amount to be repaid in each installment. Tips: If the customer approves the trial results, he can continue to handle the installment business according to the page prompts.
(In case of business changes, please refer to the actual situation. )
Excuse me, can Longka credit card be used in installments?
Yes, as long as it is within the limits.
1. CCB installment pass is an installment payment service for customers with good credit record, stable professional income and normal consumption behavior. Our bank grants special installment and pre-credit line in advance to meet the daily demand for large consumer credit, and customers can spend it at designated merchants after successful handling. Business covers a wide range of consumer areas, such as large-scale durable goods consumption, wedding, parenting, settling down, tax payment, health and so on. Generally, you can choose 6/12/18/24/36/48/66 (month) to pay the handling fee for the corresponding period. In fact, it is a consumer installment loan business with reasonable interest, which is more suitable for people who need funds.
2. What is the installment rate and service cycle? For installment business, you can freely choose 6, 12, 18, 24, 36, 48 and 60 installments (months) for installment payment. The handling fee is charged on a monthly basis, with a monthly handling fee of 0.5%. Before March 3, 20 19 (subject to the date of submitting the application for installment of longka credit card), we will handle the installment business of longka credit card in Liaoning (except Dalian), Guangxi, Shandong (except Qingdao), Hubei, Guizhou, Gansu, Jiangsu, Shenzhen, Hebei, Shanghai and Jilin. Customers in Chongqing, Qingdao, Shaanxi, Fujian (except Xiamen) and Beijing can enjoy a 20% discount on the handling fee rate. After the discount, the monthly handling fee rate is only 0.4%. The handling fee payable by the cardholder in each installment = actual installment payment amount x monthly handling fee rate. According to the number of transaction periods, the handling fee will be recorded monthly from the first billing date after the transaction is completed, and will be fully included in the minimum repayment amount of the credit card. If the bill is returned in full before the due repayment date, you can enjoy the interest-free treatment of the amount due in the current period, and the principal can be repaid in installments in the current month without interest.
3. Pass the application process by stages;
(1), download the latest version suitable for your mobile phone (both Android and Apple are available), log in to the China Construction Bank App, and click the credit card in the navigation bar.
(2) In credit card management, you can find the button option of installment payment.
(3) After clicking Enter, you can generally see your pre-approval amount, and then click Apply to enter the data supplement stage.
(4), according to the steps and operation tips to supplement the relevant information, and finally submit the application for completion of the audit.
(5) There is usually a return call.
(6) After the application is successful, a special installment card will be issued to you, and you will receive a loan short message, and then this special installment card can be used to swipe the specified merchant type.
That's enough for the introduction that Longka credit card can be paid in installments.