What is bill installment?

Question 1: What does credit card billing mean by installment? Credit card bill installment payment is a kind of credit card installment payment, which means that the credit card holder asks the credit card center to return the consumption amount to the bank in installments after swiping the card. Installment payment of credit card bill is the simplest installment payment method. You only need to call the bank credit card center to apply for installment payment from the billing date of credit card consumption to the due repayment date. Generally, as long as there is no bad personal credit record, you can get approval.

Credit card bill installment refers to an early consumption method in which the cardholder applies to the issuing bank for installment payment after credit card consumption and before the repayment date.

Generally, you can accept the bill installment by calling the customer service center of the issuing bank or telephone banking. ICBC cardholders can handle installment payment at ICBC outlets, ICBC online banking, telephone banking and mobile banking, and China Merchants Bank can handle it at the bank's online banking. Relevant persons of CCB reminded cardholders that although all banks have introduced bill installment payment, it does not mean that every cardholder can pay by credit card installment. General banks should evaluate the credit status of cardholders according to their credit limit and credit records of credit card consumption. Only after the assessment is passed can the cardholder make installment payment smoothly; If the evaluation result is not satisfactory, the bank may reject the cardholder's application for installment payment, or fail to give the cardholder the amount of installment payment he wants. Cardholders can fully consider their own financial situation and apply for installment by telephone.

The minimum consumption for each bank to apply for installment is basically between 500- 1500 yuan, of which ICBC 600 yuan, CCB, BOC, CMB 1000 yuan, BOC 1500 yuan, CITIC 1200 yuan, while ABC and Guangfa Bank stipulate that the single credit card amount is above 500 yuan, so they can apply for installment. Everbright Bank does not require the amount. As long as the cardholder uses the designated card, the bill will be automatically divided into 12 installments.

charging standards

ICBC is divided into three phases:1.65%; 3.6% in the sixth period; 5.4% in the ninth period; 12 7.2%; 1811.7%; 24 issues15.6%; One-time charge

China Construction Bank is divided into three phases, with a monthly handling fee rate of 0.7%; 0.6% in Phase 6; 12 is also 0.6%; Charge a monthly fee

The fixed rate of China Agricultural Bank is 0.6%, which is charged on a monthly basis.

China Bank is divided into three phases:1.95%; 3.6% in the sixth period; 5.4% in the ninth period; 12 7.2%; 1811.7%; Issue 2415%; One-time charge

China Merchants Bank is divided into three phases, 2.6%; 4.2% in Phase 6; 12 7.2%; One-time charge

The consumption amount of Bank of Communications is 1.500 ~ 6.500 yuan, and the monthly handling fee is 0.72%, 0.7% when it is 6500 ~ 1.2500 yuan, and 0.68% when it is above 1.2500 yuan.

Everbright Bank pays 0.5% of the total installment amount in each installment, and charges a monthly handling fee.

Industrial Bank is divided into three phases, 2.4%; 3.9% in the sixth period; 7.8% of 12; 1811.7%; 24 issues15.6%; One-time charge

Minsheng Bank is divided into three phases, and the monthly handling fee rate is 0.82%. 0.7% in Phase 6; 0.67% in Phase 9 and 0.67% in Phase 12; 18 0.67%, 24 0.7%; Monthly collection program,

China CITIC Bank is divided into three phases, and the monthly handling fee rate is 0.72%. 0.66% in Phase 6; 0.66% in the ninth period; 12 0.65%; 18 0.70%; 0.70% in 24 periods; The handling fee of10,000 (including10,000) and below (installment amount) shall be collected in one lump sum, and/kloc-0, 0 1 and above (installment amount) shall be paid in installments according to the number of processing periods.

Ping An Bank is divided into two or three phases, and the monthly handling fee rate is 0.7%. 0.68% in stage 4~6; 0.66% in stage 7-9; 10~ 12 by 0.64%, including monthly handling fee.

Question 2: What's the difference between bill installment and installment payment? Credit card bill installment refers to the period from the bill date to the final repayment date when the current credit card bill has been issued, and the cardholder applies to the issuing bank for installment payment. For example, on June 5438+ 10, the cardholder's bill amount is 12000 yuan. Then, if the bill is repaid in installments, each installment needs to be repaid.

Credit card consumption installment refers to the business that the cardholder applies for installment payment one by one according to the consumption amount within 3 days from consumption to the latest bill date, and repays it monthly within the agreed time limit. The cardholder can repay one or several expenses in the current bill in installments. For example, the12,000 yuan spent in June of 10 includes 6,000 yuan of computer purchase fee, so the 6,000 yuan can be repaid in separate installments through installment, and each installment requires 500 yuan+installment fee.

Question 3: What do you mean by transaction installment and bill installment? Transaction installment refers to a single consumption installment, and you can apply for installment the next day;

Installment checkout refers to multiple purchases and one installment, which can only be phased after checkout.

Question 4: What do you mean by installment? Explain it in detail. Credit card bill installment refers to an early consumption method in which the cardholder applies to the issuing bank for installment payment after credit card consumption and before the repayment date.

Bill installment application method:

Telephone application;

Go directly to the bank counter;

Online banking application;

SMS application;

Generally speaking, as long as there is no bad personal credit record, you can get approval.

Question 5: What does it mean to apply for the installment amount of the bill? When the bill of each credit card comes out, you can see the amount to be repaid in this period, MINUS the minimum repayment amount in this period. This difference is the part of the current bill that can be repaid by installment business.

Question 6: What does the installment of CCB's credit card bill mean? For example, if you spend 10000 yuan in June, then your bill payable in February is 10000 yuan. At this time, if you can't pay 10000 yuan, you can pay the bill in stages. Usually, banks only allow 90% of statements to be staged. If it is divided into 24 installments, the repayment amount in February is10000×10%+10000× 90% ÷ 24.

Question 7: What does credit card bill installment mean? Bill installment refers to the installment of the total bill this month!

Question 8: What does bill installment 1 1- 12 mean? The previous installment was divided into 12 installments, and the repayment was returned to 1 1 installment.

Question 9: What does this CCB bill installment mean? Bill installment means that the bank will first help you repay the amount you apply for installment, and then divide it into several installments according to the number of installments you choose, and charge you a certain handling fee.

This is shown in the bill details and there will be two records.

After successful application, you can deduct 890 yuan from the repayment amount of your current bill. The installment amount will be recorded monthly from the next bill.

What does the credit card bill after question 10:3- 12 mean? 3- 12 is divided into 12 phases, which is the third phase.