How to apply for installment payment with CITIC Credit Card?

How to apply for installment payment of CITIC Bank credit card bill?

1. CITIC Bank Credit Card Bill Installment Payment Rules

Application time: Make an application within three working days from the current bill date to the due date of repayment;

Application amount: no more than 90% of the unpaid portion of the consumer transaction amount that has been issued in RMB, with a minimum of RMB 800;

Number of installments and handling rate:

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2. Application method for CITIC Bank credit card bill installment payment:

1. Call the 24-hour customer service hotline: 40088-95558, press 1-Press 6-Press 2 to transfer bill installments and single installments The business will be handled by professionals;

2. Log in to China CITIC Bank Credit Card Online Banking to apply;

3. Log in to the main page of Xindong Space and apply according to the prompts;

4. Go to CITIC Online Banking through mobile WAP.

Can CITIC Bank credit card be repaid in installments?

Yes.

CITIC Credit Card can be repaid in installments. You can apply directly to a nearby CITIC Bank outlet with your ID card and bank card.

Four types of installment payment methods with CITIC Bank credit cards:

1. Shopping mall installments of CITIC Bank credit card installments

Shopping mall installments are CITIC Bank credit card consumer credit services One is that when CITIC Bank credit card holders make purchases, they can choose to divide the total price of the purchased goods or services into several equal installments (months) and pay in installments. Repay the amount on time according to the credit card bill in each period (month). When the cardholder chooses to go to an installment merchant store specially appointed by CITIC Bank and complete the installment payment through a designated POS machine, it is called "mall installment payment" or "mall installment" for short.

2. CITIC Bank Credit Card Installment Mall Installment

CITIC Bank Credit Card Mall Installment Business means that cardholders use their credit cards to purchase designated goods at contracted merchants through CITIC Bank Credit Card Mall. After approval by China CITIC Bank, the merchant will be notified to deliver goods to the cardholder, and the amount of the purchased goods will be divided into several installments, and the cardholder will repay the payment monthly within the agreed period.

3. CITIC Bank Credit Card Installment Bill Installment

CITIC Bank Credit Card Bill Interest-free Installment Business provides customers with interest-free installment services for repaying the current bill amount. After paying a certain handling fee, 90% of the current bill amount can be divided into installments according to the number of installments requested by the customer and repaid in equal amounts starting from the next billing cycle, without the need to pay interest due to incomplete repayment. .

4. CITIC Bank Credit Card Free Installment Payment

CITIC Bank Credit Card Free Installment Business provides customers with interest-free installment services for repaying single purchases that have not yet been billed. After paying a certain handling fee, the customer can repay a single consumption amount that has not been billed in the current period in equal installments according to the number of installments applied by the customer, and does not need to pay interest due to incomplete repayment.

CHINACITICBANK, formerly known as CITIC Industrial Bank, was founded in 1987 and changed to its current name at the end of 2005. CITIC Bank is one of China's national commercial banks, headquartered in Beijing.

The major shareholder is CITIC Corporation of China. Spanish Bank of Spain (Banco Bilbao Vizcaya Argentaria, S.ABBVA) spent 501 million euros (approximately HK$5.02 billion) to purchase a 5% stake in China CITIC Bank, and also has the option to increase its shareholding in China CITIC Bank to 10.07%. On April 27, 2007, CITIC Bank was listed on the Shanghai Stock Exchange. CITIC Bank is the seventh largest bank in mainland China, with total assets of more than HK$1.2 trillion, more than 16,000 employees and more than 540 branches. It is one of the six lines and three guarantees for Chinese financial stocks in Hong Kong.

How to apply for CITIC Bank credit card installment?

To apply for CITIC Bank credit card installment, the method is as follows:

1. WeChat application: Follow the CITIC Bank credit card WeChat service account and click "Card application/installment" - "Bill installment" can be used.

(Honor 50MagicUI4.2; WeChat 8.0.16)

2. Telephone application: Call the credit card customer service of China CITIC Bank, press 1 in Mandarin and # in Mandarin to enter the main menu, select 0 to enter or ID number to enter manual service. Inform the application amount and period, and the customer service specialist will inform the application result after system review

3. Online banking application: Log in to online banking, enter the credit card page, select "My Account", and click "Bill Inquiry for this Period" - "Choose Card". Click Apply for Bill Installment, select the number of installments, and confirm submission. (Honor 50MagicUI4.2; China CITIC Bank 7.5.3)

4. SMS application: After the customer receives the invitation application message from our bank after the bill is issued, the customer sends FQ plus the last four digits of the card to 106980095558, and the system The results can be informed immediately.

What is installment payment?

Pay by Installments refers to paying off the debt in multiple installments in one transaction. Installment payments can be divided into two types: interest-bearing installments and interest-free installments. Interest-bearing installments usually repay the interest first and then the principal, and the total payment is usually much higher than the actual transaction price, while interest-free installments do not accrue interest. Usually merchants or banks promote consumers' consumption behavior through interest-free installment payments. For interest-bearing installments, there may be a penalty if repaid early.

Calculation method:

Basic calculation: Using sequence knowledge, there is an installment formula: x=a(1p)^m[(1p)^m/n-1]/[( 1p)^m-1]

Where is the principal of a, p is the monthly interest rate, m number of months, n times. x is the amount of each payment. Generally, m=n

Then the interest paid should be: mx-a

Instalment credit card

For example, a mortgage of 70,000 yuan for 5 years. At this time, a=70000, p=0.oo8m=60n =60 is substituted to get

Compound interest: The interest of the current period is included in the principal of the next period, that is, the sum of the principal and interest of the previous period is used as the basis for calculating interest in each period.

Mathematical calculations:

Using sequence knowledge, there is an installment formula: x=a(1p)^m[(1p)^m/n-1]/[(1p)^ m-1]

Where is the principal of a, p is the monthly interest rate, m number of months, n times. x is the amount of each payment. Generally, m=n

then pay The interest should be: mx-a

For example, a mortgage of 70,000 yuan for 5 years. At this time, a=70000, p=0.oo8m=60n=60, and x=1473.55

Pay interest 60×1473.55-70000=18413.2

Simple interest: The interest is calculated based on the initial principal in each period, and the interest in each period is not included in the principal of the next period. Simple interest repayment methods are divided into equal principal repayment methods and equal principal and interest repayment methods.

1. The equal-amount principal repayment method (referred to as the equal-amount method): also known as the decreasing method, because the home buyer repays the same loan principal every month, and each time the loan is repaid, the next loan interest will vary. As the principal decreases, the loan principal and interest repayment decreases gradually. The monthly principal of this method is the same, with the highest repayment amount in the first month and decreasing monthly thereafter.

2. Equal-amount principal and interest repayment method (referred to as the equal-amount principal and interest method): The total monthly principal plus interest is fixed. The loan principal and interest are evenly divided into several equal parts according to the loan term, and the principal and interest are repaid every month. The totals are the same. This method facilitates homebuyers to plan their funds;

What are the relevant regulations and application methods for single installment payment of CITIC Bank credit card?

The single installment payment business of CITIC Bank credit card is for long-term use. Cardholders are provided with interest-free installment services for repaying single purchases that have not yet been billed. After paying a certain handling fee, the cardholder can repay the amount of a single consumption that has not been billed in the current period in equal installments according to the number of periods applied by the cardholder, and does not need to pay the dues due to incomplete repayment. interest.

1. CITIC Bank Credit Card Single Installment Rules

Application time: It must be between two days after the card payment transaction (after the transaction is recorded) and three working days of the current invoice. Apply within the time range;

Application amount: The amount applied for a single installment is the full amount of the single purchase, and the total installment amount cannot exceed the cardholder’s permanent limit;

Instalment Number of installments and handling rates:

2. Application method for single installment payment with CITIC Bank credit card

1. Dial the 24-hour customer service hotline: 40088-95558, press 1-press 6-press 2. Transfer bill installment and single installment business will be handled by professionals for you;

2. Log in to CITIC Bank Credit Card Online Banking application;

3. Log in to the main page of Xindong Space. Apply according to the prompts;

4. Go to CITIC Online Banking through mobile WAP.

How to apply for installment with CITIC Credit Card

1. Call the customer service number of CITIC Bank Credit Card Center, and after being transferred to the manual customer service, select the number of installments or the amount according to the staff prompts, and then you can handle it;

2. Go to the official website of China CITIC Bank Credit Card with your browser, and then click "My Account" → My Bill Inquiry → Current Bill Inquiry → Select the card, click Apply for Bill Installment, and then set the installments you want to make. For the number of installments, just submit the application;

3. Follow the CITIC Bank Credit Card WeChat official account on WeChat. After entering the official account, click "Service Hall", and then select the installment type in the loan installment column, such as bill installment, appointment Installments, etc., then fill in the relevant information according to the jump page, and submit the application after completing the follow-up process;

4. The card host goes to the bank counter with his or her valid ID and card to apply.

Credit card bill installment payment is a type of credit card installment payment. This type of installment payment means that the credit card holder requests the credit card center to return the consumption amount to the bank in installments after using the credit card to swipe the card.

Credit card bill installment payment is the simplest method of installment payment. You only need to call the bank's credit card center or log in to personal online banking to apply between the time the card payment is credited and the due date of repayment. You can pay in installments, and generally you can get approval as long as you don't have a bad personal credit record.

The minimum repayment amount is the minimum amount that needs to be repaid in the current month when using revolving credit. The minimum repayment amount is listed on the current bill. The minimum repayment amount for each period is calculated as follows: Minimum repayment amount = 10% of all general transactions in the credit card account 100% of the single-period amount of all outstanding installment transactions in the account 100% of the unpaid portion of the previous period's minimum repayment amount 100% All funds used in excess of the account credit limit are subject to 100% fee and 100% interest.

Bill installments can generally be applied for by calling the customer service center or telephone banking of the card-issuing bank. ICBC cardholders can apply for installment payment at any ICBC branch, ICBC online banking, telephone banking and mobile banking. China Merchants Bank can apply for installment payment at Apply for the bank's online banking. Relevant personnel from China Construction Bank reminded cardholders that although various banks have launched installment payments for bills, it does not mean that every cardholder can pay in installments through credit cards.

Banks generally evaluate the credit status of cardholders based on their credit limit, credit history of cardholder purchases, etc. Only when the evaluation is passed can the cardholder successfully make installment payments; if the evaluation result is not satisfactory, the bank may reject the cardholder's installment application, or may not be able to grant the cardholder the installment payment amount he wants. Cardholders can apply for installment by phone after fully considering their own financial situation.

The minimum consumption amount applied for installment by various banks is basically between 500 and 1,500 yuan, including 600 yuan for ICBC, 1,000 yuan for China Construction Bank, Bank of China, and China Merchants Bank, and 1,500 yuan for Bank of Communications (Y-power card) (single payment is 500 yuan), CITIC is 1,200 yuan, while Agricultural Bank of China and China Guangfa Bank stipulate that a single payment of 500 yuan or more can apply for installment. Everbright Bank has no requirement on the amount. As long as the cardholder uses the designated card, the bill will be automatically divided into 12 installments.

How to repay in installments with CITIC Bank Credit Card

Instalment repayment with CITIC Bank Credit Card is a way to directly pay the bill amount in installments and then repay it in installments. It can be done through customer service phone, online banking, When applying through the mobile customer service, a certain handling fee will be charged for credit card installment. Credit card installment repayment amount = installment amount, number of installments, rate, number of installments.

1. On December 8, 2003, CITIC Bank Credit Card Center officially issued CITIC Credit Cards. As of the end of October 2006, the cumulative number of cards issued had reached nearly 2 million, ranking among the top in the domestic banking industry. Among them, CITIC Platinum Credit Card's issuance volume ranks first in the country, and it has initially established its position and brand image in China's credit card market. CITIC Bank Credit Card has always been aimed at serving the public and has made credit card processing better for the public. Many people who have used credit cards know that credit cards are very convenient. They can not only be used in large domestic shopping malls and supermarkets, but can even be used in some foreign countries. When used in consumption places, credit cards greatly facilitate the general public and allow banks to gain more profits from them. CITIC Bank carries out a number of financial services and can provide loans to all walks of life. Personal credit loans account for a large proportion of CITIC Bank’s loan business. In many cases, personal credit loans can apply for installment payment. If the cardholder’s current When the bill amount reaches more than 800 yuan, you can apply for interest-free installment payment.

2. As one of the pioneers in the domestic credit card industry, CITIC Credit Card achieved remarkable results in 2006, with business indicators such as card issuance volume, transaction volume, and business income all reaching record highs. With CITIC Magic Gold Card, "Air China Philanthropy" CITIC Credit Card, CITIC 2006 FIFA World Cup Mastercard, CITIC I Card, CITIC Mecoxlane co-branded card, CITIC Lufthansa Mall co-branded card, CITIC Xindaxin co-branded card, CITIC Netcom co-branded card, CITIC Telecom The debut of new products such as V-card co-branded cards, the full launch of CITIC's shopping mall installment business and mail-order installment business in cooperation with Gome and Suning, two national home appliance chain giants, the comprehensive upgrade of ten platinum card services, and "special discounts on shopping mall installments" The brand image of CITIC Credit Card has been rapidly improved and won high praise from all walks of life and customers through the innovation of a series of service such as exclusive "closed store promotions" and CITIC business travel services.

3. In 2006, CITIC Credit Card won the title of "China's Most Trustworthy in 2006" in the third "World Financial Laboratory Annual Awards" sponsored by World Managers Weekly, World Financial Laboratory, and Wall Street Telecom. "Top Ten Bank Cards" award; in the "China Credit Card Industry Observation and Evaluation" sponsored by Hexun.com, CITIC Credit Card stood out from 14 banks and relied on its excellent performance in fees, card services, functions, and value-added. , won the second overall ranking in the 2006 China Credit Card Evaluation, and won the excellent "2006 China Credit Card Evaluation Best User Experience Award". With its unique product design and personalized service functions, CITIC Magic Gold Card was awarded the "Most Valuable Women's Credit Card Product Award" by VISA International Organization and the "2005-2006 China Outstanding Marketing Award" hosted by the Economic Observer. Third prize in the industry; CITIC Platinum Card was selected into the 2006 "China's Top Brands List"; CITIC Bank Credit Card Customer Service Center won the title of "2006 China's Best Call Center" for its thoughtful and meticulous service.

This is the end of the introduction about how to make installments with CITIC Credit Card and how to make installment repayments with CITIC Credit Card. Have you found the information you need?