How to stage Everbright Credit Card?

How to handle the credit card cash installment of China Everbright Bank?

I need cash flow badly, but I don't want to withdraw it. You can apply for cash installment to obtain funds. Then, how to handle the cash installment of Everbright Bank's credit card? What should I pay attention to? If you have such a problem, you might as well learn about it with us.

Question 1: How to handle the cash installment of Everbright Credit Card?

Answer:

Cash installment means that Everbright will transfer the transfer amount within your credit card withdrawal limit to the savings card in your name. When handling this business, you need to agree on the repayment period and choose the number of installments. When you pay back every month, you only need to pay back according to the agreed installment plan.

Generally speaking, there are three ways to handle this business:

1, China Everbright Bank took the initiative to call for an invitation.

2. The customer calls the service line of China Everbright Bank: 400-6666-999, turn 3.

3. SMS installment: reply as required after receiving the installment SMS from China Everbright Bank.

Question 2: What is the cash installment amount of Everbright Credit Card?

Answer:

China Everbright Bank's credit card cash installment is limited to RMB currency, and the transfer amount is within the total credit line of my credit card. The minimum amount applied by each cardholder is RMB 2000.

Question 3: How much is the cash installment fee of Everbright Credit Card?

Answer:

The credit card cash installment business of China Everbright Bank mainly includes three periods, six periods, nine periods and 12 periods. The handling fee for withdrawing the installment business is equal to the total installment amount multiplied by the corresponding handling fee rate, which will be deducted in the month when the installment takes effect and collected in the next installment.

3% in the third phase, 5% in the sixth phase, 7% in the ninth phase and 9.5% in 12 phase.

Question 4: How long will it take for the cash installment of Everbright Credit Card to arrive?

Answer:

After successfully applying for credit card cash installment business of China Everbright Bank, the installment amount will be transferred to the debit card account of China Everbright Bank under the customer's name within 3 working days.

Question 5: Can Everbright Credit Card repay in advance after successful cash installment?

Answer:

You can repay in advance after cash installment, but you need to apply. It should be noted that after the installment is cancelled, the remaining principal and handling fee will be recorded in one lump sum, and the installment handling fee collected will not be refunded.

How to apply for installment when the credit card limit of China Everbright Bank is not enough?

When shopping online, many card friends see their favorite products and want to buy them in installments, but they find that their credit card limit is not enough and they don't know what to do. In fact, if the credit card limit is not enough, there are ways to handle the installment. Let's take the vast number of credit cards as an example to introduce them to you.

Card friend Xiao Wu wants to buy an Apple computer by stages, but his credit card limit of China Everbright Bank is only 1000 yuan, and he needs 900 yuan to buy a computer, so he doesn't know if he can handle it by stages. Generally speaking, you can't, but you can take some measures to achieve this goal.

First of all, let me introduce the credit card installment.

Credit card installment refers to spending within the credit card limit, and then applying for installment repayment after the bill comes out, which can reduce the repayment pressure of card friends and let them buy their favorite products.

However, even if your credit card limit is not enough, there are ways to handle the installment. The specific method is as follows:

1. Deposit the difference into the credit card, increase the credit limit of the credit card, and apply for installment after the bill comes out. For example, the computer that Xiao Wu wants to buy costs 65,438+00,000 900 yuan, so he can deposit the 900 yuan in his credit card, so he can swipe his Everbright credit card to buy a computer.

After buying the mobile phone, wait until the current bill comes out, and then apply for installment, so that even if the credit card limit is not enough, you can still get the Apple computer.

2. There are fixed and temporary credit card quotas. If the fixed amount is not enough, you can apply for a temporary amount, but the temporary amount is valid for one month. The temporary amount cannot be repaid according to the minimum repayment amount, nor can you choose to repay by installments.

3. Increase the quota. This applies to situations where there is no hurry. Because the credit card must be used for more than half a year to upgrade the fixed amount, good consumption habits, repayment habits, no bad credit history, frequent credit card swiping and frequent participation in credit card swiping activities are all helpful to upgrade the fixed amount.

How does China Everbright Bank apply for installment repayment?

If it is impossible to apply for installment due to insufficient quota, it is suggested that the following methods can be adopted:

(1) Apply for increasing the fixed quota;

(2) If the amount is insufficient, the installment transaction is completed by depositing the corresponding amount of money (that is, overpaying the installment); This requires manual application.

(3) Pay part of the money to the merchants in cash or other ways to reduce the installment amount;

(4) Call to apply for bill installment after one-time payment, but the bill installment requires corresponding handling fees. Whether the application is approved or not is subject to the comprehensive evaluation results of our bank.

How to increase the credit card limit?

1. Credit cards cannot be used as savings cards.

I believe everyone will know the difference between credit card and savings card. Credit card is a credit consumption, and it is not a good behavior to deposit and withdraw money at will. Want to increase your quota, or use it separately. It is not cost-effective to charge a certain handling fee for credit card withdrawal.

2. Always swipe your credit card

There is an annual fee for credit cards, and some types of cards can be exempted from the annual fee if they spend a certain amount. Some of them have a certain amount of money and are free of annual fees. Frequent swiping can not only save the annual fee, but also increase the credit card limit. If you use it frequently, you will become an active user of the issuing bank invisibly, and you will be rewarded when you withdraw the amount.

If there is continuous and stable consumption, there is a transaction every month, and the issuing bank will even take the initiative to give a sum of money. Even the application for permanent withdrawal may be approved.

3. Irregular high consumption

Frequent use of credit cards represents a stable activity, rather than irregular large-scale consumption. If you can repay on time, you will be recognized as a quality customer by the issuing bank. It will also be very simple for the card owner to apply for cash withdrawal. Of course, this kind of large consumption is not bursting.

There is still a big difference between frequent credit card swiping and frequent credit card swiping. Under normal circumstances, when handling credit cards, the amount will not be very high. If you often empty the quota, even if you can repay it on schedule in the future, it is also a big taboo for raising the quota.

Everbright bank credit card bill installment payment

Installment payment of credit card bill of China Everbright Bank means that customers apply for installment payment according to the consumption amount shown in the current bill (that is, the billed consumption amount in the current period), and the installment amount must be greater than 500 yuan (including) RMB.

For example, the bill amount is in installments, and the customer's bill in May shows that there is a debt of 65,438+00,000 yuan, and the bill details are all transactions in installments (see Article 6, items 65,438+0). Then, the customer can apply for timely loan bill installment business when the repayment is due, and the installment amount must be greater than (equal to) 500 yuan and not more than 65,438+00,000 yuan.

1. China Everbright Bank credit card bill installment application amount: the installment amount must be greater than 500 yuan (including) RMB.

2. Application time for installment payment of credit card bill of China Everbright Bank.

(1), customer service telephone application: from billing date to due repayment date before 2 1: 00;

(2) Online banking application: from the bookkeeping date to the bookkeeping date 16.

3. China Everbright Bank credit card bill installment and handling fee rate.

Note: The handling fee is equal to the total installment amount multiplied by the installment handling fee rate, which will be collected in one lump sum during the installment period.

Application method:

1. Call the service hotline 400-6666-999 to apply.

2. Apply online through the credit card website "Banking Service Area".

3. Call the 724-hour global service hotline 4007-888-888 to apply;

4. China Everbright Bank will call to invite some customers.

The introduction of how Everbright Credit Card buys mobile phones by stages and how Everbright Credit Card buys mobile phones by stages ends here. I wonder if you found the information you need from it?