How does CCB credit card handle installment repayment?

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: Bank * * * enjoys the same repayment independence of multiple CCB cards on the billing date.

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.

How does CCB credit card repay by cash installment?

After handling the cash installment of CCB credit card, the cardholder shall repay the arrears on schedule according to the amount listed in the statement of Longka credit card. The cardholder shall fully repay the amount payable in the current period listed in the bill before the due repayment date, and the principal repaid in installments in cash in the current period can enjoy the interest-free repayment period; If the full repayment is not specified in the bill before the due repayment date, the principal paid in cash installments in the current period will not enjoy the interest-free repayment period, and the interest will be collected according to the China Construction Bank Longka Credit Card Collection Agreement from the current billing date. The installment fee and installment principal amount listed in the cardholder's bill are included in the minimum repayment amount of the current period. If the cardholder fails to repay the minimum repayment amount according to the bill, he must also pay the repayment penalty according to the credit card collection agreement.

(In case of business changes, please refer to the actual situation. )

How does CCB credit card apply for bill installment? Five methods of quick application

China Construction Bank has always been popular with people. Most people will choose CCB when applying for a credit card, and all aspects of CCB's credit card business are also very concerned. For example, bill installment. Then, how does CCB credit card handle the bill installment? I will answer your question today.

First, WeChat application

You can pay attention to the WeChat WeChat official account of CCB credit card, and then bind the CCB credit card you want to use for bill installment. Then click "Credit Card" in the official account of WeChat, select "Bill installment", and then click "Click here to ask the applicant" to apply for bill installment for your credit card.

Second, the telephone application

You can directly call the customer service hotline of China Construction Bank at 400-820-0588 or 95533, and enter relevant information according to the prompts.

Third, SMS applications.

You can edit the short message "Last 4 digits of CCZZ# # Amount # Period" with the mobile phone number registered when you apply for the card, and send it to 95533, then you can apply for credit card bill installment.

Fourth, the application of online banking

Customers who have opened online banking can log in to the online banking of China Construction Bank, enter the credit card interface, select credit card inquiry, then select bill inquiry, and click Apply for bill installment.

Verb (abbreviation of verb) mobile banking application

You can log in to the mobile client of China Construction Bank on your mobile phone, and then click "Credit Card" and click "Bill Application by Stages".

There are several ways for CCB credit card to apply for bill installment, which are summarized above. These methods are very simple and easy to operate. Friends who want to handle the bill installment for their CCB credit card can follow the above contents.

Can CCB credit card apply for installment?

CCB's credit card can be applied in installments, including WeChat application, SMS application, mobile banking application and online application.

1, WeChat application

Pay attention to "CCB e-banking" WeChat official account;

To bind a credit card, click Credit Card-Bill Installment-Click here to apply for installment.

2. SMS application

Use the mobile phone number reserved in CCB, edit the short message "CCZZ # amount # last 4 digits of installment number" and send it to 95533 to apply for installment repayment.

3. Mobile banking applications

Enter "Mobile Banking of China Construction Bank", click "Credit Card"-"Application for Bill Installment" in turn, and fill in according to the prompts.

Step 4 Apply online

Personal online banking users log in to CCB official website, click Apply for bill installment, and select "Credit card inquiry-select-inquire about issued bills-apply for bill installment".

After the registered user enters the credit card channel, click Apply for bill installment and select "-Bill-RMB-Apply for bill installment".