The handling rate for the 3rd period is 0.90%, and the handling rate for the 6th, 9th, 12th, 18th and 24th periods is 0.75%.

The target customers are principal cardholders of Minsheng Credit Card personal cards (except for new e-loan cards, platinum wealth management cards, Tongbao installment cards, Tongbao white-collar cards, car installment cards, and car installment parking products).

The cash installment business is only carried out for high-quality customers among existing customers. The cash installment business is not currently open to customer groups other than target customers, that is, not all customers can apply for this business. Existing customers of our bank You can apply only if you meet certain conditions.

Cash installment can be applied for at any time. The principal and handling fee will be amortized on the first billing day after the application is successful. The customer will apply on the next day after the successful application (i.e. T+1 day). The cash installment is transferred to the debit card provided by the customer. Our bank's system is expected to process documents around 15:00 every day. Applications before processing are regarded as transactions on the same day, and applications after processing are regarded as transactions on the next day.

Extended information:

If the cardholder wants to pay off the outstanding installment in advance for the cash installment that has been successfully processed, he must call the customer service hotline of the Bank's Credit Card Center to apply. The handling fee for early settlement of three installments of cash will not be refunded; the amortized handling fee for early settlement of other installments will not be refunded. The unamortized handling fee will only be charged for one installment, and the remaining handling fees will be waived.

After the cardholder successfully applies for cash installment, the full amount of the cash installment principal will occupy the credit limit. The installment handling fee will occupy the customer's credit limit when the bill is issued in installments. Cardholders can apply multiple times; the limit occupied by the corresponding transaction will be restored gradually with the repayment of each installment until the last installment or all installment balances are paid off in advance.

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