How to handle the installment payment of ICBC credit card?

How to handle the cash installment of ICBC credit card? Introduction of ICBC credit card cash installment

What if I need cash flow to hold an ICBC credit card? You can handle credit card cash installment business. Once the application is successful, the next amount can be used directly as cash. Then, how to handle the cash installment of ICBC credit card? Let's take a look at the introduction of ICBC's credit card cash installment business.

ICBC's credit card cash installment business can be applied through personal online banking, ICBC e-Life APP, mobile banking APP and bank outlet counters. As long as you have a good credit card record and no bad credit record, you can basically make repayment.

The actual amount of ICBC credit card cash installment is 600 yuan. You can choose to repay by installments of 3, 6, 9, 12, 18 and 24, but you can't handle it if you only hold special products such as Easy Loan Credit Card and Business Card.

In terms of handling fees, ICBC credit card cash installment is charged according to the current installment business charging method. The longer the installment time, the higher the total handling fee, and the specific rate is subject to the bank's audit.

How to pay by installment in ICBC?

1, WeChat processing (Apple11IOS15.0.2 WeChat version 10.2.36): Add ICBC's credit card WeChat service number and click My Service to process it.

2. Telephone handling: Call ICBC Credit Card Issuing Center 95508 and press 1#0 to apply manually.

3. Online banking processing: log in to ICBC credit card issuing official website (i.e. browser), enter the user name and password, and log in to online banking for processing.

4. SMS processing: send the last four digits of CZF (such as CZF8888) to 95508 to inquire about the installment amount of the bill; Send the latest four issues of SZF (such as SZF8888 12) to 95508 for staging.

Matters needing attention

1. The total amount of installment payment and handling fee cannot exceed the available amount of the credit card account. The amount deducted in each period is regarded as the consumption of the current month and enjoys an interest-free repayment period.

2. The application for installment payment through 95588 shall be made within three working days from the day after the consumer transaction is recorded to the due repayment date of the consumer transaction.

3. The day of installment payment is the first deduction date, and the deduction dates of subsequent installments are the same as the first deduction date. If the number of days in the subsequent repayment month is less than the first deduction date, the deduction date of that month is the last day of that month.

4. Customers who have paid by installment can apply for extending the unpaid amount, but the same installment business can only be extended once, and the handling fee rate is the same as the installment fee rate.

5. Apply for prepayment without prepayment fee.

How to charge the installment fee of ICBC?

Handling fee per period = handling fee rate of principal payable per period.

If ICBC is divided into stages, the handling fee rate will be different according to the number of stages and the different collection methods. The benchmark costs are as follows:

The third installment fee 1.65%, the sixth installment fee 3.6%, the ninth installment fee 5.4%, the first installment fee 12 7.2%, the first installment fee1.7%, and the 24th installment fee 15.6%. The specific installment rate is subject to the results displayed on the user application page.

How to handle the credit card installment of ICBC?

1. When ICBC merchants pay by credit card, they can directly apply to the cashier for installment payment.

2. The cardholder can directly call the customer service phone of ICBC and transfer to the manual customer service to complete the application within three working days from the day after the consumption is recorded in the account to the date of repayment due.

3. If it is convenient for the cardholder, you can also bring your ID card and credit card directly to the main business outlets of ICBC.

4. ICBC registers customers in online banking, finds the bank card account, and clicks the installment under the credit card column to set the installment. You can also find installment payment under the loan column on the home page, and change the self-service consumption that has been recorded in the interest-free period into installment payment.

Cardholders can also apply for installment payment by SMS, which is a new service launched by ICBC. Under normal circumstances, ICBC will automatically send marketing information to eligible cardholders, and specify that consumer transactions be converted into 12.

ICBC's bill installment payment methods include:

1. Handling by cooperative merchants:

After swiping the card from a bank partner, the cardholder can directly apply for credit card installment payment to the cashier of the merchant, and then provide relevant information according to the prompt, and can handle it after passing the identity verification.

2. Customer service telephone number:

Cardholders can take the initiative to call ICBC customer service number (95588) before the repayment date, and then switch to manual service according to the voice prompt. Submit the application to the staff in stages, then provide the credit and ID number, and then the certification can be carried out.

3. Bank official website handles:

Cardholders can log in to ICBC official website and select "Credit Card" and "Installment Payment" on the homepage. You can handle it after logging in to your personal account.

Pay attention to the installment payment of ICBC:

1. If the installment application is successful, you only need to repay the installment amount every month, which can not only satisfy the main body, but also flexibly use financial instruments.

2. As long as you have Peony International Credit Card, Peony Credit Card and Personal Card, Personal Card can be visa, MasterCard and UnionPay Card, but business cards cannot be processed by stages. The starting point of credit card installment is very low, and there are more choices of installment times. Simple procedures, convenient repayment, no prepayment fee.

3. The total amount of installment payment and handling fee cannot exceed the available amount of credit card. The monthly deduction amount is the consumption of the current month, and you can also enjoy the interest-free repayment period.

Operating environment: Huawei nova7JEF-AN00

How does ICBC pay by installment?

Log in to ICBC e Life (v4. 1.2), click on the "Finance" page, select the credit card for installment business, enter the "installment payment" function, and select the installment type for installment in the page.

The difference between installment payment of ICBC and installment payment of bills

1. Different installment objects: ICBC installment payment directly installments a single transaction; Bill installment is to apply for installment repayment on the basis of the current bill of the credit card.

2. Different installment rates: installment payment and bill installment are two different products, with different installment times and installment rates.

3. Different repayment time: after installment payment, the bill is generally included in the latest bill; After applying for bill installment, repayment will start from the next bill.

ICBC credit card installment payment can be handled in the following three ways:

1. ICBC designates special merchants to spend by credit card, and can directly apply to the cashier for installment payment.

2. Between the day after your consumption transaction is recorded in the account and three working days before the due repayment date of this consumption, you can easily apply by directly dialing 95588 for manual transfer; You can also apply at ICBC outlets.

3. Customers registered in ICBC's online banking can self-help convert the consumer transactions recorded in the interest-free period into installment payment through "credit card service peony card repayment installment setting".

China Industrial and Commercial Bank installment interest

ICBC's installment interest calculation formula is interest = installment amount, installment period and handling fee rate. ICBC's handling fee rate is generally determined according to the number of installments. For example, the commission rate for installment 12 is about 7.2%. If the installment is 12000 yuan, not only will the principal be repaid in each installment, but the monthly handling fee will be 120007.2%/ 12=72 yuan.

What is the installment interest rate of ICBC credit card?

ICBC's installment fee standards are as follows:

1, and the interest rate of Phase 3 is1.95%;

2, 6 installment interest rate is 3.60%;

3, 9 installment interest rate is 5.40%;

4. The installment interest rate of12 is 7.20%;

5. The installment interest rate of18 is11.70%;

6. The installment interest rate of the 24th installment is 15.60%.

You can apply for installment payment if you use ICBC credit card to spend money in 600 yuan. Commission for the third installment 1.65%, 3.6% for the sixth installment, 5.4% for the ninth installment, 7.2% for the second installment 18 installment 1.7%, and 24 installment 15.

When handling business, a one-time installment fee is charged according to different standards. The characteristics are that the fewer stages, the lower the cost;

Cash in advance can't repay the loan at least, but it must be repaid in full. Of course you can't apply for installment payment.

How does ICBC credit card repay in installments?

ICBC credit card installment repayment method is as follows:

1. ICBC designates special merchants to spend by credit card, and can directly apply to the cashier for installment payment.

2. Between the consumer transaction and the due repayment date, you can easily apply by directly dialing 95588 to transfer to labor; Handling channels include ICBC outlets, 95588 telephone banking, online banking, mobile banking, self-service terminals, SMS, etc.

Telephone processing flow:

3. You can transfer the booked consumer transactions within the interest-free period to installment payment through "Bank Card Account-Credit Card-Installment Payment-Setup Installment Payment" or "Home Page-Loan-Installment Payment-Setup Installment Payment".

Extended data:

Precautions:

1. The total installment payment and handling fee cannot exceed the available amount of the credit card account. The amount deducted in each installment is regarded as the consumption of the current month and enjoys the interest-free repayment period.

2.

The application for installment payment through 95588 shall be made between the date of consumption transaction and the due repayment date. Handling channels include ICBC outlets, 95588 telephone banking, online banking, mobile banking, self-service terminals, SMS, etc.

3.

The date of installment payment is the first deduction date, and the deduction dates of subsequent installments are the same as the first deduction date. If the number of days in the subsequent repayment month is less than the first deduction date, the deduction date of that month is the last day of that month.

4.

Customers who have paid by installment can apply for extending the unpaid amount, but the same installment business can only be extended once, and the handling fee rate is the same as that of installment.

5.

Apply for prepayment, and the prepayment fee will be exempted.