How to repay the postal credit card by installment?

How to repay the credit card in installments?

When your capital repayment is under pressure, choosing credit card installment repayment can alleviate your capital pressure and will not affect your personal credit information.

There are several common ways to choose credit card installment repayment, which can be selected according to your own needs:

1, the method of telephone application. At present, many customer service staff of the bank will call to ask whether it is necessary to apply for credit card installment before the repayment date, and they can choose 3 months, 6 months, 12 months according to their repayment ability. At the same time, you can also take the initiative to apply by phone or edit short messages to the credit card short message platform;

2. Log in to the bank official website to enter the credit card center, apply for credit card installment repayment business, and click on the installment amount and repayment period to confirm;

3. Pay attention to the official account of credit card WeChat, enter credit card installment in the query column, and the content of installment business will pop up, or you can choose to handle it according to your own needs;

4. Go to the bank counter. If you are not clear, you can directly consult the bank counter staff for face-to-face communication.

Now credit card installment business is a regular service launched by banks, and everyone can handle the business according to their actual needs.

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How to repay the credit card in installments?

Credit card billing installment refers to the installment of unbilled transactions and billed transactions. The application qualification, installment amount, installment number and rate shall be subject to the comprehensive evaluation of the credit card center. [You can click here to get the web page link].

If it is a CMB credit card, you can choose the following channels to apply for bill installment:

Pocket Life: After logging in to Pocket Life, click Finance → Installment Payment → Bill Installment, fill in the installment amount and number of installments, and then click "Preview Order" to submit the application.

Online banking: log in to the popular version or professional version, and click installment financing-bill installment-issued account/bill installment-unissued account-installment application in the credit card interface.

Mobile banking: After logging in to mobile banking, click My → All → Credit Card → Enter the operation page in stages. Enter the application page to check the number of optional periods and the installment rate.

Credit card telephone channel: call the credit card customer service hotline, click it, and tell you the business you need to handle directly to apply.

(reply time: March 4, 202 1. Please refer to China Merchants Bank (official website) for the latest business changes.

How to repay after credit card installment?

Banks generally provide an interest-free repayment period of 20-50 days, and 20 days after the bill date is the due repayment date, so repayment should be made before the due repayment date.

Credit card repayment method:

1. Online banking transfer: log in to online banking and repay by bank debit card, credit card, current all-in-one account or current savings account.

2. Mobile banking transfer: Open mobile banking, and easily complete the transfer and repayment anytime and anywhere.

3. Bank self-service terminal repayment: self-service devices such as CDM or ATM can be used to transfer money to credit cards for repayment; You can also make self-service repayment in cash through the deposit and withdrawal machine (CDM).

4. Counter repayment: make cash repayment at the counter of bank outlets or transfer repayment to the credit card account through debit card, credit card, current all-in-one account or current savings account.

Extended data

Matters needing attention in automatic transfer repayment

First, if the credit card holder binds the savings card to repay the agreed account, then before the due repayment date, ensure that the associated savings card is in a normal state and the amount is sufficient, and the agreed account will automatically repay when it expires.

Second, repayment in an associated savings account generally defaults to full repayment. If the cardholder intends to return the minimum repayment amount of each installment, he can inform the customer service at the time of binding and change the repayment mark.

Third, paying the minimum repayment amount on time will not affect the cardholder's current credit history, but will charge interest on the whole bill.

Reference source: China Bank, official website-China Bank Credit Card Repayment Guide.

Source of reference: official website, Bank of China-Explanation of common credit card terms.

How to repay the credit card in installments?

If you want to pay by installment, you can choose to pay by installment when you pay, or you can choose to pay by installment when you repay after paying in full. When the user chooses to pay by installment, the number of installments will be set on the payment page, and the user only needs to swipe his card. Since it has been paid in full, the user can choose to pay the bill in installments, so that he can repay it in installments.

In fact, installment payment and installment repayment are essentially credit card installments, and the effect is that users can repay in installments, and users can choose any installment method.

Credit cards can be divided into 36 periods at the longest, and most banks can be divided into 24 periods at the longest. After credit card installment, you need to pay installment fee. Although the monthly repayment pressure is reduced, the total repayment amount is increased. And often handle the installment business, which is also a manifestation of the poor economic situation of users. In fact, this is not conducive to repayment.

Some users think that banks can charge more for installment business and are more willing to increase the credit card limit. This understanding is wrong. Banks give users credit cards with reference to their credit information, repayment ability and credit card usage.

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How to repay the credit card in installments?

After credit card installment, it can be repaid automatically and at the counter through mobile banking, third-party payment platform, ATM machine and bound bank card.

1. Mobile banking. Now all major banks have their own mobile apps. After downloading, you can log in to your account and pay back your credit card.

2. Third-party payment platforms, such as Alipay and WeChat, all have credit card repayment function, which can be repaid after binding the bank card;

3.ATM repayment, directly insert the credit card into the ATM, and then save money;

4. Associate the bank card with the credit card, and the system will automatically deduct the money from your bound bank card on the repayment date;

5. You can also repay money at the counter of bank outlets, and you need to bring your ID card and credit card.

1. What are the advantages and disadvantages of credit card installment repayment?

Benefits:

Mainly to alleviate the pressure of high single-period bills. When I owe 10 thousand, I only have 3 thousand in my hand for the time being, so paying it back several times will neither affect my credit nor relieve my pressure. But also conducive to credit card cash withdrawal. Banks will charge installment fees, and they are also happy to see users installment. In order to overcharge, they will naturally withdraw the amount.

If it is to raise the amount, it is not cost-effective to handle the installment if you have money. Although there are more idle funds in hand for the time being, it will increase a certain burden.

Disadvantages:

There is a handling fee for installment repayment, and the rates of different banks are different. The longer the number of installments, the more the handling fee. If you pay in installments for a long time, you will find that the handling fee is amazing. Moreover, this is not conducive to cultivating good consumption habits. Paying only a part each month may lead to more and more debts.

Repayment in installments can be made in advance. Under normal circumstances, users should take the initiative to apply to bank customer service, but it is not recommended to do so, which has many disadvantages.

1. Why not recommend prepayment?

The installment fee is fixed after handling. I have handled the installment of 12, so the extra fee for this installment of 12 must be paid. No matter how much you want to pay back the remaining installments in advance, this money can't be reduced.

And many banks have relevant regulations. Once you apply to customer service for prepayment, the remaining amount will be paid in one lump sum in the next bill. On the contrary, it has increased the economic burden, and it is better to repay the loan as agreed.

2. How to make rational use of installment repayment?

The starting point of installment repayment is to share the cardholder's pressure several times when the user can't pay the bill temporarily. So staging is not blind. The longer the better. It is very important to choose the appropriate number of periods according to your actual income, so as not to pay the handling fee in vain.

Many people hesitate between the minimum repayment amount and installment repayment after owing money, saying that both are more cost-effective. In fact, it all depends on the user's own situation, such as how much money is owed and how long it will take to pay it off.

1, the less you owe, the lowest short-term repayment.

If I only owe two or three thousand dollars, and the funds will arrive in a few days, then don't choose to repay by installments. The minimum repayment date interest rate is 0.5 ‰, with monthly compound interest. Take the bill amount of 10000 yuan as an example, and the interest for one month will be 150 yuan. If it is divided into three periods, the interest rate will definitely not stop.

2. How long will it take to pay off the debt? Choose installment payment.

In the case of long-term financial constraints, it is of course recommended to repay by installments. The minimum repayment is to calculate compound interest every month. If you don't pay it back for a day, the interest will keep piling up. The interest generated by the minimum repayment for one year is several times the handling fee of 12.

In short, installment repayment itself has advantages and disadvantages. When unable to repay, it is recommended to choose the appropriate number of installments, and it is not recommended to repay in advance.

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