How to handle credit card installment in CCB?

How to handle the credit card installment of CCB?

There are seven ways to handle the credit card installment business of China Construction Bank:

1. Log in to CCB Personal Online Banking, click to enter the "Credit Card" page, and select "Card Account Transaction"; Then select "credit card installment"; Then select "installment consumption application"; Then click the transaction record that needs to be temporarily stored; Then follow the system prompts to apply.

2. Log in to the latest mobile banking client of China Construction Bank, click "Credit Card", select "installment repayment", and then click the "consumption installment" menu to apply.

3. Pay attention to the official WeChat account of China Construction Bank on WeChat, then enter the official WeChat account, click the "Credit Card" option, enter the "Business Handling Hall", and then click ""on the page to apply through the "Recommended for You-Consumption Staging" menu.

4. Log in to the mobile banking of China Construction Bank and click Credit Card-Bill Installment or Credit Card-One-click Repayment-Installment/Credit Card-Card Service-Bill Installment.

5. For SMS application, edit the SMS "last 4 digits of CCZZ# # application amount # application period" with the mobile phone number reserved by CCB and send it to 95533.

6. To apply for an intelligent teller machine, swipe your card or read your ID card at CCB's intelligent teller machine, and select Personal Business-Credit Card-Credit Card Installment-Bill Installment or click Personal Business-Credit Card-Repayment-Installment/Personal Business-Credit Card-Bill Inquiry-Installment.

7. Telephone application, according to the self-service voice prompt, call 95533 to apply. If the application amount exceeds 80,000 yuan, please transfer to manual service.

It should be noted that the installment payment business of CCB can only be applied when the cardholder's single consumption reaches 300 yuan (inclusive) or above or the equivalent amount, and the application must be made two days before the latest bill date (the consumption transaction record must be three working days before the latest bill date).

Consumption staging process:

1. Read the agreed terms of consumption installment business through the website of CCB;

2. Call 400-820-0588 (please call 02 1-38690588 for non-400 service areas and 86-2 1-38690588 for overseas) during the period from consumption to 2 days before the latest bill date (consumption must be recorded in the consumption transaction to 3 working days before the latest bill date).

3. Apply for consumption by stages; Our bank will process the application within 2 days after acceptance, and the audit result will be notified by SMS. Cardholders can also call 400-820-0588 (please call 02 1-38690588 for non-400 service areas, and call 86-2 1-38690588 for overseas enquiries).

Excuse me, can CCB credit card be divided into stages?

CCB's credit card can be applied in installments, including WeChat application, SMS application, mobile banking application and online application.

1, WeChat application

Pay attention to "CCB e-banking" WeChat official account;

To bind a credit card, click Credit Card-Bill Installment-Click here to apply for installment.

2. SMS application

Use the mobile phone number reserved in CCB, edit the short message "CCZZ # amount # last 4 digits of installment number" and send it to 95533 to apply for installment repayment.

3. Mobile banking applications

Enter "Mobile Banking of China Construction Bank", click "Credit Card"-"Application for Bill Installment" in turn, and fill in according to the prompts.

Step 4 Apply online

Personal online banking users log in to CCB official website, click Apply for bill installment, and select "Credit card inquiry-select-inquire about issued bills-apply for bill installment".

After the registered user enters the credit card channel, click Apply for bill installment and select "-Bill-RMB-Apply for bill installment".

For more information about CCB credit card, can I apply for installment? Go to: See more.

How to handle the installment repayment of CCB credit card?

China Construction Bank can use mobile banking to apply for credit card installment, and the steps are as follows:

Operating environment:

Brand model: iPhone 13

System version: iOS 15.3. 1

Application version: v5.6.7.00 1

I. Enter the "CCB Mobile Banking App".

2. Click "Credit Card"-"Bill Installment Application" in turn.

Third, choose stages according to the prompts.

Credit card installment payment refers to the process that when the cardholder uses the credit card to make a large amount of consumption, the bank pays the consumer funds of the goods (or services) purchased by the cardholder to the merchant in one lump sum, and then the cardholder repays the money to the bank in installments and pays the handling fee. According to the cardholder's application, the bank deducts the consumption funds and handling fees by stages through the cardholder's credit card account, and the cardholder repays according to the monthly recorded amount.

In the early days of credit card installment business, banks often advertised under the banner of "interest-free", and many citizens were really fooled. In fact, interest-free is not free, just a different name.

Generally speaking, the handling fee of credit card installment 1 year is lower than the annual cash withdrawal interest 18%, and higher than the bank commercial loan interest 1 year 5.3 1%. It is worth mentioning that in recent years, the loan interest rate of commercial banks has been lowered many times, but the standard of credit card installment fee and cash withdrawal interest has rarely changed. Although different banks have different standards for credit card installment fees, the calculation method is roughly the same.

Suppose the installment amount is 1, 200 yuan, divided into 12 installments, and each installment (month) repays 1 0,000 yuan, and the handling fee is 0.6%/ month. The actual monthly deduction is 1 006,5438+0,200×. If other factors are not considered, the convertible nominal annual interest rate is 7.2%. But the cardholder did not always owe the bank 1.200 yuan. In the last month, he actually only owed the bank 1 1,000 yuan, but the bank still charged the handling fee according to 1, 200 yuan.

According to the calculation, the actual annual interest rate that the cardholder has to pay is about 15.48%. According to the correct calculation formula, it should be12000.6% (10.6%)12/(10.6%)12-1) =/kloc-.

From the form of installment payment, there is a limit on the initial amount of a single transaction for cardholders to handle this business, and the level of installment repayment and the standard of handling fee are also different; It can be roughly divided into three categories:

The first category is the cooperation between banks and special merchants, but the product types are limited;

The second category is the catalogue of the bank, which is purchased by the cardholder, and then the bank entrusts the supplier to deliver the goods to the customer;

The third category is not limited to merchants and commodities. Cardholders can apply for installment repayment from banks after shopping, and some banks even set the acceptance scope to the whole world.

How about the credit card installment of CCB?

To handle the credit card installment payment business of China Construction Bank, you can adopt the following methods:

Operating environment: iphone 12 China Construction Bank 5.6. 1.002.

1. Log in to CCB Personal Online Banking, click to enter the "Credit Card" page, and select "Card Account Transaction"; Then select "credit card installment"; Then select "installment consumption application"; Then click the transaction record that needs to be temporarily stored; Then follow the system prompts to apply.

2. Log in to the latest mobile banking client of China Construction Bank, click "Credit Card", select "installment repayment", and then click the "consumption installment" menu to apply.

3. Pay attention to the official WeChat account of China Construction Bank on WeChat, then enter the official WeChat account, click the "Credit Card" option, enter the "Business Handling Hall", and then click ""on the page to apply through the "Recommended for You-Consumption Staging" menu.

It should be noted that the installment payment business of CCB can only be applied when the cardholder's single consumption reaches 300 yuan (inclusive) or above or the equivalent amount, and the application must be made two days before the latest bill date (the consumption transaction record must be three working days before the latest bill date).

1. CCB Credit Card is a credit card issued by China Construction Bank. The credit cards issued by China Construction Bank are all named "Longka", including: Longka Famous School Card, Longka Business Card and Longka Automobile Card. Annual fee-free policy: the annual fee for the following year is exempted if the Puka Gold Card is swiped 3 times or 18 times (excluding special cards such as business cards and car cards). Withdrawal fee: within China: 5‰ of the transaction amount, with the lowest 2 yuan and the highest 50 yuan; Overseas: 3% of the transaction amount, with a minimum of $3. Multi-account management: the limit * * * enjoys multiple CCB cards with the same repayment date. Independent online payment: Alipay can be used after online registration. Single one-day installment business in 500 yuan: supports interest-free installment for specific merchants (3, 6, 12). After a single consumption exceeds 65,438+0,000 yuan, you can apply for installment by phone (3,6,65,438+02,65,438+08,24), and different programs are generated according to the number of installments for each installment. Billing date: There are multiple billing dates every month, and the cardholder can change it once a year within the validity period of the card. Currency: RMB, RMB/USD, RMB/Euro.

2. Interest-free repayment period: Interest-free repayment period refers to the interest-free period of consumer transactions enjoyed by cardholders who repay in full on schedule. The interest-free period is from the bank bookkeeping date to the repayment date, with a minimum of 20 days and a maximum of 50 days. Overdraft cash withdrawal transactions do not enjoy interest-free repayment period.

3. Tip: If the repayment is not made in full before the maturity, you will not enjoy the interest-free period. The Construction Bank will charge interest at a daily interest rate of 0.5 ‰ and compound interest monthly. The interest-bearing date is from the date of consumption to the date of repayment, and the interest-bearing principal is calculated according to the actual amount payable. If the repayment is not made before the due repayment date or the repayment amount is lower than the minimum repayment amount, CCB will charge interest as required, and at the same time charge a late fee of 5% of the minimum repayment amount.

This is the end of the introduction on how to apply for credit card installment and how to apply for installment payment. I wonder if you have found the information you need?