How to apply for deferred repayment with CITIC Bank credit card?

Under normal credit card conditions, if the repayment cannot be made in time, CITIC Bank will provide a three-day delay service (except loans), and the repayment will be made in real time before 20:00 on the third day without application.

For example, if the final repayment date of the bill is 20th, the cardholder can return the total bill to the credit card in real time before 20:00 on 23rd, and there will be no extra cost.

Extended data:

Handling fee for credit card installment business of CITIC Bank:

The number of periods that cardholders can apply for is 3, 6, 9, 12, 18, 24 and 36, and the handling fee rate for each period is1.50% 0.80% 0.76% 0.75% 0.75 respectively.

Repayment of principal in installments = total amount of bills in installments ÷ number of installments. The principal paid in installments (accurate to the minute) shall be credited to the cardholder's credit card account on a monthly basis. If the principal cannot be divided, the remaining part shall be recorded in the first installment. Handling fee for each period = total amount of bill installments × handling fee rate for each period corresponding to the number of periods.

China CITIC Bank-Credit Card Knowledge