Transportation credit card prepayment

How does Bank of Communications prepay in installments?

Bank of Communications cash installment prepayment operation:

1. First of all, credit card holders need to contact the Credit Card Center of Bank of Communications in advance and apply to the bank for cash installment prepayment;

2. Waiting for the bank to review the application for prepayment;

3. After the approval, the bank will notify the credit card holder, and the user can complete the prepayment directly through mobile banking.

Although Bank of Communications supports prepayment by cash installment, prepayment will not exempt the subsequent installment fees, and it is necessary to pay off the remaining principal and the remaining installment fees in one lump sum before the next bill date.

Bank of Communications cash installment is a cash installment product launched by Bank of Communications for its credit card users. After applying for cash installment in Bank of Communications, users can directly transfer the funds in a credit card to their debit card accounts. In fact, it is equivalent to credit card withdrawal, but unlike withdrawal, cash installment can be repaid in installments.

According to the regulations of Bank of Communications, Bank of Communications will apply for early repayment after handling installment repayment business, and the installment fee will not be reduced. After the cardholder successfully applies to the bank for prepayment by installment, he needs to repay the remaining principal and installment fee in one lump sum. In addition, when handling prepayment, you need to apply to the bank in advance.

Bank of Communications credit card repayment mainly has the following ways:

1. Automatic repayment

When filling in the application form of Bank of Communications credit card, just tick the "Automatic Transfer Authorization" field and provide the corresponding repayment account number; Or go to the Bank of Communications outlet in the city where the original Bank of Communications debit card you need to bind for automatic repayment, and then bind the associated account. On the due repayment date, the RMB and USD arrears in your credit card will be repaid automatically.

3. Telephone banking business

Bank of Communications cardholders can go to the Bank of Communications outlets in the city where the original Bank of Communications debit card is located, and then dial the 24-hour customer service hotline displayed on the back of the credit card to transfer RMB from your Bank of Communications Pacific debit card and quasi-credit card in the self-service voice service to repay the RMB and USD arrears in your credit card.

4. Bank of Communications ATM transfer repayment

Bank of Communications credit card users can use the Bank of Communications debit card to transfer payment to your Pacific Credit Card at the ATM of designated outlets in Bank of Communications.

5. Inter-bank ATM transfer repayment

Bank of Communications credit card holders can hold other bank debit cards with ATM card transfer function in 34 cities and surrounding areas across the country, and directly repay your Pacific credit card through the transfer business on ATM machines.

6. Self-service deposit machine repayment

Bank of Communications credit card holders can use the automatic deposit machine at any branch of Bank of Communications, or visit the 24-hour self-service bank of Bank of Communications at any time, insert the credit card and complete the repayment in RMB in cash.

How to repay in advance by credit card installment of Bank of Communications?

For cardholders who often use Bank of Communications credit cards, choosing Bank of Communications credit card installment can not only meet their large consumption demand, but also alleviate their repayment pressure. How to repay in advance by credit card installment of Bank of Communications?

1. Call the credit card customer service hotline of Bank of Communications, enter the manual service, and apply for credit card installment prepayment. After the bank confirms the prepayment, it will make prepayment according to the prompt.

2. Log in to the mobile banking of Bank of Communications, enter the credit card interface, click "installment loan-installment settlement in advance" and follow the prompts. Please see the page for details.

3. Pay attention to the official account of Bank of Communications credit card WeChat, select credit card repayment at the bottom left of the page or at the menu input side, then click login personal account, select "Credit card repayment-installment repayment" and follow the prompts.

The above is the introduction of how the Bank of Communications credit card repays in installments, so I'll stop here with you, hoping to help you.

How to prepay the credit card of Bank of Communications?

Operating environment:

Brand model: Xiaomi 12Pro

System version: Android11miui13.

Application version: v5.4. 1

You must call the Bank of Communications service hotline to apply for early repayment, and the customer service will terminate the installment for you according to your application.

Bank of Communications credit cards can be repaid in advance, and subsequent procedures do not require repayment. If you need to repay the loan in advance, you can apply to cancel the installment through the Bank of Communications credit card "Pay the bill" app and through the details of paying the bill-I want to borrow-loan. After cancellation, the remaining principal and handling fee will be recorded in one lump sum, and you need to repay the installment handling fee in one lump sum. You can repay the installment fee at one time, and the subsequent fee does not need to be repaid successfully, or you can call the 24-hour customer service hotline displayed on the back of the card to apply for early termination of installment payment. The installment fee charged after installment is non-refundable. In addition, the early settlement operation cannot be cancelled, and the amount that has been settled in advance cannot be amortized again.

First, the Bank of Communications credit card bill installment prepayment fee

There is a service charge for the early termination of installment payment by Bank of Communications credit card. The remaining installment fee after applying for early repayment is not refundable. If you apply for early termination of installment payment, you must return all the remaining principal and service fee in one lump sum on the next repayment date.

Credit card installment repayment, even if the repayment is made in advance, the installment fee should be paid in full and on time.

Second, the advantages and disadvantages of Bank of Communications credit card

Advantages:

1. The threshold is very low;

2. The initial amount is very high;

3. There are many discounts;

4. Easy repayment.

Disadvantages:

1. Only the system can actively withdraw the amount, and it is not allowed to apply for withdrawal and manual intervention;

2. Pit dad SMS reminder fee;

3. The withdrawal fee is very expensive;

4. Full penalty interest;

5. The risk control is strict, and it is easy to illegally seal the card, which will affect the credit investigation.

3. Traffic credit cards can be activated by SMS in the following ways:

1. Edit the short message prompt to the issuing bank of traffic credit card.

2. Receive the relevant reply from Bank of Communications, and then activate the credit card according to this reply information and related tips.

3. Call the credit card hotline of Bank of Communications and set the relevant password.

Bank cards can also be activated through counters, online banking and customer service.

That's enough for the introduction of prepayment by traffic credit card.