CCB's credit card can be repaid in installments.
At present, CCB has six installment businesses: car purchase installment, decoration installment, merchant installment, consumption installment, bill installment and cash installment. Car purchase installment and decoration installment refer to car purchase installment and house decoration installment, and merchant installment refers to the installment transaction between merchants cooperating with CCB. Cash installment is to withdraw cash by credit card and then repay it in installments. Consumption installment refers to applying to the bank for installment repayment before the bill date, and bill installment refers to applying to the bank for installment repayment after the bill is issued.
CCB credit card installment payment method is as follows:
First, CCB credit card SMS application installment. Use the mobile phone number reserved in CCB, edit the short message "last 4 digits of CCZZ# # amount # number of installments" and send it to the official telephone of CCB, and then you can apply for repayment by installments.
Operating environment:
Brand model: Xiaomi 12Pro
System version: Android11miui13.
Application version: v5.6.7.00 1
2. CCB credit card mobile banking by stages. Enter "Mobile Banking of China Construction Bank", click "Credit Card"-"Application for Bill Installment" in turn, and fill in according to the prompts.
Operating environment:
Brand model: Xiaomi 12Pro
System version: Android11miui13.
App version: v 13.2.0. 10
Three. Online installment of CCB credit cards. After logging in to CCB official website with Baidu browser, individual online banking users select credit card inquiry-Select-Inquire about issued bills-Apply for bill installment.
Four, CCB credit card telephone staging. Call the customer service phone of CCB Credit Card to apply by phone, and follow the prompts after entering.
The credit card of CCB can be divided into 24 periods at most. The credit card installment of CCB includes: bill installment, cash installment, car purchase installment and consumption installment. The installment fees of these four periods are different. The installment fees are as follows:
1. CCB credit card cash installment rate: 0.8 1% in the third installment, 0.75% in the sixth installment, 0.75% in the first installment, 0.75% in the first installment, and 0.75% in the 24th installment.
2. Installment rates of China Construction Bank's credit card bills: 0.75% for the 3rd installment, 0.70% for the 6th installment, 0.65% for the 1st installment, 0.60% for the 2nd installment, 0.60% for the 4th installment, and 0.62% for the 4th installment.
Third, the installment rate of CCB's credit card car purchase will depend on the car dealer and model you choose.
Four. The installment rate of credit card consumption of CCB: 0.70% for the third phase, 0.60% for the sixth phase, 0.6% for 10, 0.60% for 12, 0.60% for 18 and 0.60% for the 24th phase.
How does CCB credit card repay in installments?
To handle the credit card installment payment business of China Construction Bank, you can adopt the following methods:
1. Log in to CCB Personal Online Banking, click to enter the "Credit Card" page, and select "Card Account Transaction"; Then select "credit card installment"; Then select "installment consumption application"; Then click the transaction record that needs to be temporarily stored; Then follow the system prompts to apply.
2. Log in to the latest mobile banking client of China Construction Bank, click "Credit Card", select "installment repayment", and then click the "consumption installment" menu to apply.
3. Pay attention to the official WeChat account of China Construction Bank on WeChat, then enter the official WeChat account, click the "Credit Card" option, enter the "Business Handling Hall", and then click ""on the page to apply through the "Recommended for You-Consumption Staging" menu.
It should be noted that the installment payment business of CCB can only be applied when the cardholder's single consumption reaches 300 yuan (inclusive) or above or the equivalent amount, and the application must be made two days before the latest bill date (the consumption transaction record must be three working days before the latest bill date).
Credit card repayment method
In the issuing bank, this method includes: issuing bank counter, ATM, online banking, automatic transfer, telephone banking repayment, etc. The credit card limit will be restored immediately after repayment, and the money will generally be recorded after being processed by the system on the same day.
Weizhong Bank POS mobile phone Weizhong Bank POS mobile phone is a personal payment terminal of mobile financial system, which can be used for direct repayment and transfer of credit cards. Arrive immediately!
Transfer/remittance repayment is mainly divided into two ways: inter-bank in the same city and inter-bank in different places. Whether it is transfer or remittance, the remittance bank will charge a certain fee, and the payment time and repayment convenience are not as good as those of peers, online repayment and convenience stores.
Common online platforms for online repayment in China include UnionPay Online, Kuaiqian, Shengfutong, Alipay and Tenpay. Choose different platforms and banks, and the charging standards and specific arrival time are different.
Convenience store repayment is mainly completed through the "Lacarra" smart payment terminal installed in the convenience store. Generally, it will arrive in 2~3 working days, and there is no handling fee for repayment in this way.
Counter repayment refers to the bank card issued by various networked financial institutions, and the RMB current deposit and withdrawal transactions are conducted through the counters of other bank outlets registered in the host system of UnionPay Trading Center.
Xinfutong Repayment "Xinfutong" smart credit card phone is an innovative electronic product independently developed by China UnionPay, certified by the Bank Card Testing Center and supported by the financial services provided by China UnionPay's inter-bank information exchange network.
Repayment Pass uses "Repayment Pass" for repayment, and generally charges fees according to the charging standards for inter-bank transfer in the same city and inter-bank remittance in different places stipulated by the local people's bank.
In addition to the above methods, the issuing bank has also opened its own repayment methods in order to facilitate the cardholder's repayment.
How to calculate the credit card installment fee of China Construction Bank?
The credit card installment fee of China Construction Bank is charged on a monthly basis, and the rate varies with the number of application periods.
The credit card of CCB can be divided into three stages, six stages, 10 stage, 12 stage, 18 stage and 24 stages. The monthly benchmark handling fee rates are 0.75%, 0.7%, 0.65%, 0.6%, 0.6% and 0.62% respectively.
Handling fee for each installment = total installment principal × monthly handling fee rate, which will be charged on schedule on each billing day after installment.
Take the installment of 10000 yuan as an example. The handling fee for each installment is 225 yuan in three installments in 75 yuan, six installments in 70 yuan, and 24 installments in 62 yuan, totaling 1488 yuan.
ChinaConstructionBank, formerly known as People's Construction Bank of China, was established in June 1 954+1October1(later renamed China Construction Bank on March 26th, 1996). The head office is located at No.25, Financial Street, Beijing. It is a large state-owned bank managed by the central government and a national deputy ministerial unit. The main business areas of China Construction Bank include corporate banking, personal banking and treasury business, with branches and subsidiaries in 29 countries and regions, and subsidiaries in many industries such as funds, leasing, trust, life insurance, property insurance, investment banking, futures and pension.
China Construction Bank has a broad customer base, maintains banking contacts with many large enterprise groups and leading enterprises in China's economic and strategic industries, and its marketing network covers major regions of the country. 20 16 On June 30th, the British Banker magazine published the ranking of 1000 big banks in the world, and China Construction Bank ranked second. 20 17 In February, BrandFinance released the list of top 500 global brands on 20 17, and China Construction Bank ranked it as 14. In 20 18, Fortune Global 500 ranked 3 1.
20 18 February, the "Top 500 World Brands of 20 18" compiled by the World Brand Laboratory was announced, and China Construction Bank ranked 203rd. July 20 19 was selected as the Fortune Global 500. "Belt and Road" China enterprises ranked 40th on the 100 list. 20 19 12, China Construction Bank was selected as the brand of 20 19 China Brand Power Festival 100. 20 19 12 18, People's Daily released the China Brand Development Index 100 list, and China Construction Bank ranked 25th. On June 4, 2020, 65438+ won the evergreen tree award of the 2020 Caijing "Sustainable Development Benefit Award". In March 2020, it was selected as one of the top 500 global brands in 2020 13.
What are the credit card installment types of CCB?
CCB's credit card processing threshold is low and there are many preferential activities, so it is loved by many consumers. His family's installment business is also doing well. It needs to buy a car and a house. Small partners who buy large items such as mobile phones and computers can handle installment repayment business. Oh, they only need to pay a little interest, and they don't have to pay it all at once. Still more cost-effective.
Specific types include:
1. Car purchase by stages: refers to the cardholder's application to CCB to use his dragon card (excluding business card, student card, supplementary card and security card) to buy a family car at the dealer designated by CCB (the down payment is the net car price minus the approved amount). After the approval of CCB, the actual installment amount will be divided into several installments on average, and the cardholder will repay each month within the agreed time limit and pay a certain handling fee.
2. Staging of household goods refers to the business that the cardholder applies to use his dragon card (except business card, student card, supplementary card and security card) to buy goods or services at the settlement merchant designated by CCB, and after the approval of CCB, the cardholder pays the settlement money at the settlement merchant designated by CCB through a special staging POS machine, and the corresponding transaction amount is divided into several periods on average, and the cardholder repays the goods every month and pays a certain handling fee within the agreed period.
3. Designated merchant installment refers to the business that the cardholder can choose to divide the total amount of goods into several installments (the number of installments is months) on average when the merchants agreed by CCB use the Dragon Card Credit Card (except the business card) to purchase goods or services, and then the cardholder will pay the monthly repayment and the corresponding handling fee within the agreed time limit after swiping the card through the installment POS dedicated by CCB.
4. Consumption installment refers to the business that the cardholder calls CCB to apply for repayment in installments according to the consumption amount during the period from consumption to the second day of the first bill (consumption must be recorded in the consumption transaction to the third working day of the first bill), and repays monthly within the agreed time limit.
5. Installment repayment refers to the period from the next day of the bookkeeping date to the final repayment date, during which the cardholder applies to CCB for installment repayment with a certain amount of RMB consumption (repayment can only be made once every 30 days). The minimum application amount is 500 yuan RMB, and the maximum application amount does not exceed 90% of the total RMB consumption in the bill (excluding cash withdrawal, installment payment and other transactions stipulated by CCB).
6. Cash installment is CCB's credit card cash credit business, which can meet the needs of small funds such as travel, payment and shopping. You can flexibly use the credit line of credit card to withdraw cash, and easily enjoy the repayment in installments of 3, 6, 12, 18 and 24. Remind me that the above is a brief introduction of CCB's installment business. Unknown users may have fainted. What is the difference between the major stages? The specific comparison is also explained in detail. The length of this article is limited. Please poke here to see the comparison report.
How many stages can CCB credit cards be divided into?
1, bill installment: when using CCB credit card to installment the bill, it can be divided into 3 installments (0.75%), 6 installments (0.70%), 10 installment (0.65%), 12 installment (0.60%) and1.
2. Cash installment: When using CCB credit card, cash installment can be divided into 3 installments (0.8 1%), 6 installments (0.75%), 12 installments (0.75%), 18 installments (0.75%) and 24 installments (0.75%).
3. Consumption installment rate: when using the credit card of China Construction Bank for consumption installment, it can be divided into three periods (0.70%), six periods (0.60%), 10 (0.6%), 12 (0.60%) and 18 (0.05%).
China Construction Bank was established in June 1954+ 10/0/. The head office is located at No.25, Financial Street, Beijing. The main business areas of China Construction Bank include corporate banking, personal banking and treasury business. It has branches and subsidiaries in 29 countries and regions, and subsidiaries in many industries such as funds, leasing, trust, life insurance, property insurance, investment banking, futures and pension.
China Construction Bank has a broad customer base, maintains banking contacts with many large enterprise groups and leading enterprises in China's economic and strategic industries, and its marketing network covers major regions of the country. 20 16 On June 30th, the British Banker magazine published the ranking of 1000 big banks in the world, and China Construction Bank ranked second.
20 18 February, the "Top 500 World Brands of 20 18" compiled by the World Brand Laboratory was announced, and China Construction Bank ranked 203rd. July 20 19 was selected as the Fortune Global 500. The Belt and Road Initiative ranks 40th among the top enterprises in China 100. 20 19 12, China Construction Bank was selected as the brand of 20 19 China Brand Power Festival 100.
20 19 12 18, People's Daily released the China Brand Development Index 100 list, and China Construction Bank ranked 25th. 20201October 4th, 65438, won the evergreen award of Caijing 2020 "Sustainable Development Benefit Award". In March 2020, it was selected as one of the top 500 global brands in 2020 13.
After China Construction Bank was restructured into a state-controlled joint-stock commercial bank, its name was China Construction Bank Co., Ltd., referred to as China Construction Bank. China Construction Bank Co., Ltd. inherited the commercial banking business and related assets, liabilities and rights and interests of the former China Construction Bank.
China Construction Bank has a broad customer base, and maintains banking ties with many large enterprise groups and leading enterprises in China's economic and strategic industries. Its marketing network covers major regions of the country and has more than 65,438+03,600 branches.
After the establishment of China Construction Bank Co., Ltd., strategic investors will be introduced to further realize equity diversification and improve the corporate governance structure. At the same time, we will continue to comprehensively promote various management reforms, promote performance progress, and strive to turn China Construction Bank Co., Ltd. into a modern joint-stock commercial bank with sufficient capital, strict internal control, safe operation, good service and good benefits.
How does CCB credit card repay in installments?
Operating environment:
Brand model: Yijia 10Pro
System version: ColorOSV 12. 1
Application version: v5.6.7
CCB credit card installment payment method is as follows:
1. CCB credit card SMS installment application. Use the mobile phone number reserved in CCB, edit the short message "last 4 digits of CCZZ# # amount # number of installments" and send it to the official telephone of CCB, and then you can apply for repayment by installments.
2. CCB credit card mobile banking by stages. Enter "Mobile Banking of China Construction Bank", click "Credit Card"-"Application for Bill Installment" in turn, and fill in according to the prompts.
3. Online installment of CCB credit cards. After logging in to CCB official website, individual online banking users select Credit Card Inquiry-Select-Inquire about Issued Bills-Apply for Bill Installment.
4. CCB credit card telephone installment payment. Call the customer service phone of CCB Credit Card to apply by phone, and follow the prompts after entering.
CCB Credit Card is a credit card issued by China Construction Bank. The credit cards issued by China Construction Bank are all named "Longka", including: Longka Famous School Card, Longka Business Card and Longka Automobile Card.
knowledge
Annual fee-free policy: swipe your card for 3 times or 18 times (excluding special cards such as business cards and car cards) to avoid the annual fee for the following year.
Withdrawal fee: domestic: 5‰ of the transaction amount, with the lowest 2 yuan and the highest 50 yuan; Overseas: 3% of the transaction amount, with a minimum of $3.
Multi-account management: quota sharing, multiple CCB cards, one billing date and independent repayment.
Online payment: Alipay: it can be used after online registration, with a single payment and a one-day limit of 500 yuan.
Installment business: support interest-free installment for specific merchants (3, 6, 12). After a single consumption exceeds 1000 RMB, you can apply for installment by phone (3,6,0/2,0/8,24), and different handling fees will be generated for each installment according to the number of installments.
Billing date: There are multiple billing dates every month, and the cardholder can change it once a year within the validity period of the card.
Currency: RMB, RMB/USD, RMB/Euro.
interest
Interest-free repayment period: Interest-free repayment period refers to the interest-free period of consumer transactions enjoyed by cardholders who repay in full on time. The interest-free period is from the bank bookkeeping date to the repayment date, with a minimum of 20 days and a maximum of 50 days. Overdraft cash withdrawal transactions do not enjoy interest-free repayment period.
Tip:
If you don't repay in full before maturity, you won't enjoy the interest-free period. The Construction Bank will charge interest at a daily interest rate of 0.5 ‰ and compound interest monthly. The interest-bearing date is from the date of consumption to the date of repayment, and the interest-bearing principal is calculated according to the actual amount payable.
If the repayment is not made before the due repayment date or the repayment amount is lower than the minimum repayment amount, CCB will charge interest as required, and at the same time charge a late fee of 5% of the minimum repayment amount.
This is the end of the introduction of building credit card installment and building credit card installment repayment. I wonder if you have found the information you need?