How does CCB credit card repay in installments?

How does CCB credit card repay in installments?

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

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 China Construction Bank can only be applied when the cardholder's foreign currency consumption exceeds 300 yuan (inclusive) or the equivalent amount, and the application must be made two days before the latest billing date (the foreign currency consumption must be within three working days after the consumer transaction is recorded and before the latest billing date).

Credit card repayment method

In the issuing bank, this method includes: issuing bank counter, ATM, online banking, automatic transfer, telephone banking repayment, etc. The credit card limit will be restored immediately after repayment, and the money will generally be recorded after being processed by the system on the same day.

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Transfer/remittance repayment is mainly divided into two ways: inter-bank in the same city and inter-bank in different places. Whether it is transfer or remittance, the remittance bank will charge a certain fee, and the payment time and repayment convenience are not as good as those of peers, online repayment and convenience stores.

Common online platforms for online repayment in China include UnionPay Online, Kuaiqian, Shengfutong, Alipay and Tenpay. Choose different platforms and banks, and the charging standards and specific arrival time are different.

Convenience store repayment is mainly completed through the "Lacarra" smart payment terminal installed in the convenience store. Generally, it will arrive in 2~3 working days, and there is no handling fee for repayment in this way.

Counter repayment refers to the bank card issued by various networked financial institutions, and the RMB current deposit and withdrawal transactions are conducted through the counters of other bank outlets registered in the host system of UnionPay Trading Center.

Xinfutong Repayment "Xinfutong" smart credit card phone is an innovative electronic product independently developed by China UnionPay, certified by the Bank Card Testing Center and supported by the financial services provided by China UnionPay's inter-bank information exchange network.

Repayment Pass uses "Repayment Pass" for repayment, and generally charges fees according to the charging standards for inter-bank transfer in the same city and inter-bank remittance in different places stipulated by the local people's bank.

In addition to the above methods, the issuing bank has also opened its own repayment methods in order to facilitate the cardholder's repayment.

How to repay the credit card application bill of China Construction Bank in installments?

If you apply for bill installment, the first installment amount and installment fee will be settled on the billing date after successful installment, and you can repay according to the bill amount at that time. And if the repayment is made in full before the final repayment date, the installment amount will also enjoy an interest-free period. However, if the repayment is not made in full before the final repayment date, the interest will be calculated at the rate of five ten thousandths every day from the date of installment. Let me give you an example. \ Suppose your bill date is 7th, the bill amount of 1/7 is 4000, and you have handled 3000 installments. Then 2/7 will be credited to the first installment, with installment amount =3000/3= 1000, installment fee of 30000.75%=22.5, and the third installment fee is 22.53=67.5. The installment amount of the first installment is 100022.5= 1022.5. If you didn't spend money this month and paid it back last month, then the bill amount for this month is 1022.5. If you repay 1022.5 before the date of127, even if you repay in full, you can enjoy the interest-free period by installments. \ And now there seems to be a discount on the installment fee of the bill. You can apply.

How does CCB credit card repay by cash installment?

After handling the cash installment of CCB credit card, the cardholder shall repay the arrears on schedule according to the amount listed in the statement of Longka credit card. The cardholder shall fully repay the amount payable in the current period listed in the bill before the due repayment date, and the principal repaid in installments in cash in the current period can enjoy the interest-free repayment period; If the full repayment is not specified in the bill before the due repayment date, the principal should be repaid in cash installments in the current period without interest-free repayment period, and interest will be charged according to the China Construction Bank Longka Credit Card Collection Agreement from the billing date of the current period. The installment fee and installment principal amount listed in the cardholder's bill are included in the minimum repayment amount of the current period. If the cardholder fails to repay the minimum repayment amount according to the bill, he must also pay the repayment penalty according to the credit card collection agreement.

(In case of business changes, please refer to the actual situation. )

How does CCB credit card repay in installments? These application methods should be known.

How to repay CCB's credit card by installment?

How to repay CCB's credit card by installment? A friend applied for the installment of the bill, but he didn't know how to pay it back. They are afraid that an carelessness will affect their credit information. Don't worry about friends who have related troubles. Cai Xiao will ask you to answer them.

CCB credit card installment repayment application method is as follows:

1. WeChat application

A. Pay attention to "CCB Electronic Banking" WeChat official account;

B. Bind the credit card and 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 "last 4 digits of CCZZ# # amount # period number" and send it to 95533, then you can apply for installment repayment.

3. Mobile banking applications

Enter "Mobile Banking of China Construction Bank", click "Credit Card"-"Bill Application by Stages" in turn, and press the reminder to enter.

Step 4 Apply online

To log in to CCB official website, please click Apply for Bill Installment and select "Credit Card Inquiry-Optimization-Issued Bill Inquiry-Bill Installment Application".

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

For example, if the bill is paid in installments at present, it will be calculated according to the total installment amount of 6600 yuan. So this month, we only need to pay back the remaining money that is not in installments, that is,1.4000 (9000- 1.000-6600). In the installment part, the principal of each installment is calculated as 6 installments = 6,600/6 = 6,500. The installment fee for each installment = 66,000.63% = 41.58 (his benchmark interest rate for the sixth installment is 0.7% per month, and you can get a 10% discount before 12/3 1), and the total fee for the sixth installment = 41.586. Installment repayment =11041.58 =11.58 yuan, the next bill is settled, and this period is not required.

How to handle the credit card installment of CCB?

1, WeChat official account processing: Pay attention to the official WeChat account of China Construction Bank, bind the personal credit card, and select "Credit card-bill installment-application installment" in turn. (Glory 50MagicUI4.2；; Wechat 8.0. 16)

2. Mobile banking: directly open the mobile banking APP of China Construction Bank, enter the credit card page, find the credit card bill, and click "Apply for bill by installment".

(Glory 50MagicUI4.2；; China Construction Bank 5.6. 1)

3. Online Banking: log in to your personal online banking account and select "Credit Card Inquiry-Billing Inquiry-Billing Installment Application".

Common installment repayment methods:

1, equal principal and interest

It means that during the repayment period, the total amount of monthly repayment remains unchanged, including principal and current interest, and current interest is calculated according to the remaining principal at the beginning. In the repayment cycle, the principal is paid once a month, so the proportion of interest in the total monthly repayment is getting smaller and smaller, and the proportion of principal is getting bigger and bigger.

superiority

(1) The monthly repayment amount is the same, and there is no need to check the amount every month.

(2) Suitable for long-term loans (10 years or longer)

disadvantaged

It is relatively uneconomical to pay more interest in advance and settle it in advance.

2. Average capital

The lender will allocate the principal to each month and pay off the interest from the previous trading day to the repayment date. Compared with the matching principal and interest, the total interest cost of this repayment method is lower, but the principal and interest paid in the early stage are more, and the repayment burden is reduced month by month. Mainly when buying a house, there are more choices.

superiority

The total interest expense is less.

The later the repayment, the less pressure.

disadvantaged

The early repayment pressure is relatively high.

3. Interest before capital

Refers to paying interest on a monthly basis and repaying the principal at maturity. In other words, during the repayment period, only the interest needs to be repaid every month, and all the principal needs to be repaid at one time after the loan expires.

superiority

Instead of paying the principal every month, only interest is paid, so the repayment pressure is small and the capital utilization rate is high.

disadvantaged

The repayment pressure after maturity is great, because all the principal must be repaid at one time. In case of untimely situation, it is easy to cause overdue and affect credit investigation.

4. Pay as much as you borrow

It means that you can borrow and repay at any time within the credit line, and there is no fixed repayment plan. After the loan is paid off, the line is restored. This repayment method usually calculates interest on a daily basis, and there is no charge for prepayment; Moreover, the credit line can be recycled and reused, and there is no limit on the number of times.

Can CCB credit cards be repaid in installments?

CCB's credit card can be repaid in installments.

At present, CCB has six installment businesses: car purchase installment, decoration installment, merchant installment, consumption installment, bill installment and cash installment. Car purchase installment and decoration installment refer to car purchase installment and house decoration installment, and merchant installment refers to installment transactions between merchants cooperating with CCB. Cash installment is to withdraw cash by credit card and then repay it in installments. Consumption installment refers to applying to the bank for installment repayment before the bill date, and bill installment refers to applying to the bank for installment repayment after the bill is issued.

CCB credit card installment payment method is as follows:

First, CCB credit card SMS application installment. Use the mobile phone number reserved in CCB, edit the short message "last 4 digits of CCZZ# # amount # number of installments" and send it to the official telephone of CCB, and then you can apply for repayment by installments.

Operating environment:

Brand model: Xiaomi 12Pro

System version: Android11miui13.

Application version: v5.6.7.00 1

2. CCB credit card mobile banking by stages. Enter "Mobile Banking of China Construction Bank", click "Credit Card"-"Application for Bill Installment" in turn, and fill in according to the prompts.

Operating environment:

Brand model: Xiaomi 12Pro

System version: Android11miui13.

App version: v 13.2.0. 10

Three. Online installment of CCB credit cards. After logging in to CCB official website with Baidu browser, individual online banking users select credit card inquiry-Select-Inquire about issued bills-Apply for bill installment.

Four, CCB credit card telephone staging. Call the customer service phone of CCB Credit Card to apply by phone, and follow the prompts after entering.

The credit card of CCB can be divided into 24 periods at most. The credit card installment of CCB includes: bill installment, cash installment, car purchase installment and consumption installment. The installment fees of these four periods are different. The installment fees are as follows:

1. CCB credit card cash installment rate: 0.8 1% in the third installment, 0.75% in the sixth installment, 0.75% in the first installment, 0.75% in the first installment, and 0.75% in the 24th installment.

2. Installment rates of China Construction Bank's credit card bills: 0.75% for the 3rd installment, 0.70% for the 6th installment, 0.65% for the 1st installment, 0.60% for the 2nd installment, 0.60% for the 4th installment, and 0.62% for the 4th installment.

Third, the installment rate of CCB's credit card car purchase will depend on the car dealer and model you choose.

Four. The installment rate of credit card consumption of CCB: 0.70% for the third phase, 0.60% for the sixth phase, 0.6% for 10, 0.60% for 12, 0.60% for 18 and 0.60% for the 24th phase.

So much for the introduction of how to repay credit cards in installments.