When will ICBC credit card apply for installment repayment be reminded by SMS?

Can ICBC credit cards be repaid in installments?

ICBC credit cards can be repaid in installments, and there is no interest on repayment within the specified time, only a handling fee. The number of installments is different, and the handling fee is different. ICBC has three phases, six phases, nine phases, 12, 18 and 24 phases, and the handling fee is 1.65% for the three phases respectively. 3.6% in the sixth period; 5.4% in the ninth period; 12 7.2%; 1811.7%; 24 issues15.6%; Charge a one-time handling fee.

ICBC credit card is the credit card with the highest circulation in China. The main types of ICBC credit cards are: Peony International Credit Card, Peony Credit Card and Peony Credit Card; ICBC credit cards are divided into: Peony Visa Card, Peony MasterCard and Peony American Express Card by brand; According to the credit rating, it is divided into: platinum card, gold card and ordinary card; According to the issuing object, it is divided into business cards and personal cards, in which personal cards are divided into main cards and auxiliary cards.

Card sorting

Peony quasi-credit card is a quasi-credit card issued by Industrial and Commercial Bank of China. The cardholder deposits a certain amount of reserve fund according to the regulations. When the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the specified credit limit. Peony quasi-credit card can be used in China, Macau, China, China, and UnionPay acceptance points in Thailand, South Korea, Singapore and other countries for settlement, and has the functions of transfer settlement, cash deposit and withdrawal, credit consumption and so on. This peony quasi-credit card is a quasi-credit card with China characteristics, which has no precedent in other countries in the world. The appearance of this quasi-credit card is a reflection of the imperfection of China's credit system. Peony quasi-credit card has stopped issuing. Peony Credit Card and Peony International Credit Card, which truly meet the needs of the public, are the development direction.

Mudan international credit card

Peony International Credit Card is an international credit card product launched by Industrial and Commercial Bank of China. International cards are commonly used at home and abroad, and are settled in RMB and a certain designation. Peony International Card adopts the circulating credit transaction mode, and overdraws consumption within the credit limit. If you repay in full before the due date, you can enjoy the interest-free repayment discount. This card is universal.

Peony credit card

Peony Credit Card is a credit card issued by Industrial and Commercial Bank of China, which gives the cardholder a certain credit limit, within which the cardholder can spend first and then repay. The credit card adopts the circulating credit transaction mode, and overdraws consumption within the credit limit. If you repay in full before the due date, you can enjoy the interest-free repayment discount. Peony Credit Card can be used in China, Hongkong, China, Macau, China, and UnionPay acceptance points in Thailand, South Korea and Singapore. It is settled in RMB and has the functions of transfer settlement, cash deposit and withdrawal, credit consumption and so on.

Peony credit card

Peony Credit Card is a credit card issued by Industrial and Commercial Bank of China, which is limited to RMB credit cards used in People's Republic of China (PRC). Settlement in RMB, with credit consumption, transfer settlement, cash deposit and withdrawal and other functions. Peony credit cards are divided into business cards and personal cards according to different card issuers; According to different credit ratings, it is divided into gold cards and ordinary cards.

How to handle installment repayment with ICBC credit card?

If you have a peony credit card, the card and account are in normal condition. If you meet the requirements and need to apply for consumption installment, you can apply from the date when the consumption transaction is recorded to the due repayment date (inclusive).

You can log in to mobile banking and apply for credit card installment payment through the function of "Credit Card-Installment Payment".

In addition, you can also handle installment payment through online banking, ICBC e-Life app, SMS banking (SMS installment is only for customers who receive installment marketing messages), manually dialing 95588, holding a card and valid personal identification, and through designated business outlets and smart terminals of the outlets where you handle the card.

(Answer time: April 2, 20221. In case of business changes, please refer to the actual situation. )

How to installment ICBC credit cards?

China Industrial and Commercial Bank credit card installment payment method:

You can go to online banking (icbc.com.cn) for installment, go to the home page and click "Credit Card", then click "Installment Payment" in business processing, and then follow the prompts.

You can apply at the counter of ICBC's branch with your ID card and credit card, and consult the staff at the branch to help you with it.

ICBC credit card is the credit card with the highest circulation in China. The main types of ICBC credit cards are: Peony International Credit Card, Peony Credit Card and Peony Credit Card; ICBC credit cards are divided into: Peony Visa Card, Peony MasterCard and Peony American Express Card by brand; According to the credit rating, it is divided into: platinum card, gold card and ordinary card; According to the issuing object, it is divided into business cards and personal cards, in which personal cards are divided into main cards and auxiliary cards.

Mudan international credit card

Peony International Credit Card is an international credit card product launched by Industrial and Commercial Bank of China. International cards are commonly used at home and abroad, and are settled in RMB and a certain designation. Peony International Card adopts the circulating credit transaction mode, and overdraws consumption within the credit limit. If you repay in full before the due date, you can enjoy the interest-free repayment discount. This card is universal.

Peony credit card

Peony Credit Card is a credit card issued by Industrial and Commercial Bank of China, which gives the cardholder a certain credit limit, within which the cardholder can spend first and then repay. The credit card adopts the circulating credit transaction mode, and overdraws consumption within the credit limit. If you repay in full before the due date, you can enjoy the interest-free repayment discount.

Peony Credit Card can be used in China, Hongkong, China, Macau, China, and UnionPay acceptance points in Thailand, South Korea and Singapore. It is settled in RMB and has the functions of transfer settlement, cash deposit and withdrawal, credit consumption and so on.

Peony credit card

Peony Credit Card is a credit card issued by Industrial and Commercial Bank of China, which is limited to RMB credit cards used in People's Republic of China (PRC). Settlement in RMB, with credit consumption, transfer settlement, cash deposit and withdrawal and other functions. Peony credit cards are divided into business cards and personal cards according to different card issuers; According to different credit ratings, it is divided into gold cards and ordinary cards.

If it is a universal card, it can automatically increase the credit limit.

If the card meets the following criteria and has no bad credit record, ICBC can automatically upgrade the credit limit:

After the account has been opened for not less than 3 months and the consumption exceeds 500 yuan (inclusive), the credit line can be adjusted to 500 yuan;

Reach the level of credit line in 500 yuan, and the credit line can be adjusted to 1000 yuan at least 3 months after the cumulative consumption of 500 yuan (inclusive);

It has reached the credit line level of 65,438+0,000 yuan and accumulated consumption is above 500 yuan (inclusive). After at least 3 months, the credit line can be adjusted to 2,000 yuan.

If the local card issuer has special regulations, this service is not applicable.

You can also call the customer service hotline of ICBC, select 2 Manual Service -2 Credit Card Service, and propose credit limit adjustment. The adjusted credit line is not higher than 2000 yuan.

ICBC credit card, how to apply for installment after consumption?

You can only apply for installment from the second day of consumption to 3 days before the due repayment date.

ICBC credit card installment policy:

(1) Bottom line of installment amount: the amount of a single installment transaction is greater than or equal to 600 yuan RMB/HKD and 100 USD/Euro; Initial amount of installment bill: 800 yuan

(2) Handling fee collection method: one-time payment.

(3) Application method: Call the 95588 application counter to apply for online banking.

(4) Application time: from the second day of consumption to three days before the due repayment date.

(5) Charge ratio:

The third stage 1.95%

The sixth stage is 3.60%

5.40% in the ninth stage

12 7.20%

18 1 1.70%

24 issues 15.60%

For a single consumption of 2,000 yuan, if the installment of 12 is applied, the first installment is: 2000 ÷12+2000× 7.2% =166.67+144 = 31. Every issue in the future 166.67 yuan (approximately). Generally, ICBC will charge the odd number of subsequent periods in the first period, so the first period is overpaid and the subsequent periods are all integer.

Supplement: Online banking prompts that there is no matching transaction, and my personal opinion is probably that it does not meet the single 600+ credit card consumption.

Can ICBC credit card apply for installment repayment online?

Yes, the operation method of applying for installment repayment is 1. Telephone application: Cardholders can call the Bank's credit card center for manual customer service and apply for cash installment from customer service staff. The cardholder selects the installment number, installment amount, debit card account number and loan reason. People choose installment number, installment amount, debit card account number and loan reason. 2. Online banking application: The cardholder logs into the bank official website and chooses to apply for cash installment. The cardholder selects the installment number, installment amount, debit card account number and loan reason. The cardholder can complete the application by entering the dynamic password and the cash withdrawal password.

This is the end of the introduction of ICBC credit card application for installment repayment. When ICBC credit card applies for installment repayment, there will be SMS reminder. I wonder if you have found the information you need?