How to handle the installment of CITIC Credit Card?

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

Credit card installment payment service of CITIC Bank provides interest-free installment payment service for cardholders' single consumption without single repayment. After paying a certain handling fee, the cardholder can repay the unpaid single consumption amount in the current period in equal installments according to the number of installments applied by the cardholder, without paying the interest due to incomplete repayment.

I. Rules for Single Installment Payment of Credit Cards of CITIC Bank

Application time: the application must be made within the time interval from two days after the credit card consumption transaction (after the transaction record) to three working days of the current bill;

Application amount: the amount of a single installment application is the full amount of a single consumption amount, and the total installment amount cannot exceed the cardholder's permanent quota;

Number of installments and commission rate:

Two. Application method of single installment payment for credit card of China CITIC Bank

1. Call the 24-hour customer service number: 40088-95558, press 1- 6- 2 to transfer the bill installment and single installment business, and professionals will handle it for you;

2. Log in to the credit card online banking application of CITIC Bank;

3. Log in to the main page of the letter space and apply according to the prompts;

4. CITIC Online Banking via WAP.

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

I. Rules for Installment Payment of Credit Card Bills of CITIC Bank

Application time: apply within the time interval from the current bill date to three working days when the repayment is due;

Application amount: no more than 90% of the outstanding amount of consumer transactions that have been accounted for in RMB, and the minimum amount is RMB 800 yuan;

Number of installments and commission rate:

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

1, call the 24-hour customer service number: 40088-95558, and press 1- 6- 2 to transfer the bill installment and single installment business, and professionals will handle it for you;

2. Log in to the credit card online banking application of CITIC Bank;

3. Log in to the main page of the letter space and apply according to the prompts;

4. CITIC Online Banking via WAP.

How to handle the credit card installment of CITIC Bank?

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

1. wechat application: pay attention to the credit card wechat service number of citic bank and click "card/installment"-"bill installment" to handle it. (Glory 50MagicUI4.2；; Wechat 8.0. 16)

2. Telephone application: Call the credit card customer service of CITIC Bank, press 1 Putonghua and # to enter the main menu, select 0 to enter or ID number to enter the manual service, and inform the application amount and number of periods. After the system is audited, the customer service specialist will inform the application result.

3. Online banking application: log in to online banking, enter the credit card page, select "My Account" and click "Current Bill Inquiry"-"Select Card". Click to handle bill installment, select the number of installments, and confirm submission. (Glory 50MagicUI4.2；; China CITIC Bank 7.5.3)

4. SMS application: The customer will send the last four digits of the FQ card to 106980095558 after receiving the SMS from our bank, and the system will immediately inform the processing result.

What is installment payment?

Installment refers to paying off debts in several times in a transaction. Installment can be divided into interest-bearing installment and interest-free installment. Interest-bearing installments generally pay interest first, and then the principal. Usually, the total payment is much higher than the actual transaction price, and interest-free installment is not counted as interest. Usually, merchants or banks promote consumers' consumption behavior through interest-free installment payment. Interest-bearing installment payment, early repayment may be subject to a fine.

Calculation method:

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

Where A is the principal, P is the monthly interest rate, M is the number of months, N is the number of times, and X is the amount of each repayment. Generally m = n.

Then the interest paid should be: MX-A.

Installment credit card

For example, the mortgage is 75,000 years. At this time, a = 70,000, p = 0.oo8m = 60n = 60 and x=? Pay interest of 60×? —70000= ........

In installment payment, we should also understand the calculation method of installment payment.

Compound interest: the current interest is included in the next principal, which is based on the sum of the principal and interest of the previous period.

Mathematical calculation:

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

Where A is the principal, P is the monthly interest rate, M is the number of months, N is the number of times, and X is the amount of each repayment. Generally m = n.

Then the interest paid should be: MX-A.

For example, the mortgage is 75,000 years. In this era, a = 70,000, p = 0.oo8m = 60n = 60, x= 1473.55.

Pay interest of 60×1473.55-70000 =18413.2.

Simple interest: the interest is calculated according to the initial principal of each period, and the interest of each period is not included in the next principal. Simple interest repayment method is divided into average principal repayment method and equal principal and interest repayment method.

1, Average Capital Repayment Method (abbreviated as equal diminishing method): Also known as diminishing method, since the principal of the loan repaid by the buyers every month is the same, the interest of the next loan will be reduced due to the reduction of the principal, so the principal and interest of the loan repaid in each period will also be gradually reduced. In this way, the monthly principal remains unchanged, and the repayment amount is the highest in the first month, and then decreases month by month.

2. Equal principal and interest repayment method (hereinafter referred to as this method): the total monthly principal and interest is fixed, and the loan principal and interest are evenly divided into several equal parts according to the loan term, and the total monthly principal and interest are the same. This way is convenient for buyers to plan funds;

How does CITIC Credit Card repay in installments?

1, a computer with a price of 22,000 yuan was swiped into 18 installments with a handling fee of 0.82% for each installment.

The repayment amount of each installment =(22000/ 18220000.82%) yuan.

2. Credit card installment fee of CITIC Bank is 20 15. Please refer to the following report for details.

Periods: 1, 3, 6, 12, 24, 36.

Monthly handling fee rate:1.50% 0.82% 0.82% 0.77% 0.76% 0.76%

Example: loan 65438+ RMB100000 monthly handling fee 150828277676.

Transfer to the savings card of CITIC Bank, and it will arrive on the next working day after submission; Transfer to the blue card that has been opened and the card status is normal, and receive the account in real time; Transfer to another bank savings card and receive it within 3 working days after submission.

Just repay the installment arrears directly to the credit card for the New Express.

China CITIC Bank has 6 issues: 3, 6, 9, 12, 18 and 24. The charging method is to charge the current fee every month. The starting point of collection method is 100 yuan, and the cumulative starting point is 200 yuan.

Can CITIC Bank credit cards be repaid in installments?

Of course.

CITIC Credit Card can be repaid in installments, and it can be handled directly at the nearby CITIC Bank outlets with ID card and bank card.

CITIC Bank credit card four installment payment methods;

1. China citic bank credit card installment shopping center installment

Shopping mall installment is one of CITIC Bank's credit card consumer credit services, that is, CITIC Bank credit card holders can choose to divide the total price of purchased goods or services into several installments (months). Pay back the money on time according to the credit card bill every month. The cardholder chooses to go to the store specially designated by CITIC Bank and complete the installment payment through the designated POS machine, which is referred to as "shopping mall installment payment" for short.

2. CITIC Bank credit card small installment

The installment payment business of CITIC Bank Credit Card Mall refers to the business that the cardholder uses the credit card to purchase the designated goods from the contracted merchants through CITIC Bank Credit Card Mall, and after the approval of CITIC Bank, the merchant is notified to deliver the goods to the cardholder's door, and the amount of the purchased goods is evenly divided into several installments, and the cardholder repays them monthly within the agreed time limit.

3. Credit card installment payment of CITIC Bank

CITIC Bank's interest-free installment service for credit card bills provides interest-free installment service for customers to repay the current bill amount. After paying a certain handling fee, the customer can installment 90% of the current bill amount according to the number of installments applied by the customer, and start to repay the same amount in the next billing cycle, without paying interest due to incomplete repayment.

4. Credit card installment of CITIC Bank is free of charge.

CITIC Bank's credit card installment-free service provides interest-free installment service for customers to repay their single consumption without bills. After paying a certain handling fee, the customer can repay the single consumption amount that is not billed in the current period in equal installments according to the number of installments applied by the customer, without paying the interest due to incomplete repayment.

CHINACITICBANK, formerly known as CITIC Industrial Bank, was founded in 1987 and renamed at the end of 2005. CITIC Bank is one of the national commercial banks in China, with its headquarters in Beijing.

The major shareholder is China CITIC Company Limited. Bancobilbaovizcaya Argentaria (S. Abbva) spent 5.065438 billion euros (about 5.02 billion Hong Kong dollars) to buy a 5% stake in CITIC Bank, or it may choose to increase its shareholding in CITIC Bank to 10.07%. On April 27th, 2007, CITIC Bank was listed on the Shanghai Stock Exchange. CITIC Bank is the seventh largest bank in Chinese mainland, with total assets exceeding HK$ 65,438+0,200 billion, * * * employees exceeding 65,438+0,600 and more than 540 branches. It is one of the six banks and three guarantees for Chinese financial stocks in Hong Kong.

This concludes the introduction of how CITIC Credit Card handles installment and how CITIC Credit Card handles installment to help raise the amount. I wonder if you have found the information you need?