How to pay by installment with industrial and commercial 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 designated foreign currency. 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);

The credit line reaches 65,438+0,000 yuan, and the 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.

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 to set up installment payment for ICBC credit card

1. Take China Merchants Bank as an example. First open the China Merchants Bank app, as shown below.

2. Then click the option to review repayment, as shown in the figure below.

3. You can see the credit card bill, and click installment, as shown in the figure below.

4. Then you can set up credit card repayment, as shown in the figure below.

5. Then you can see the details of the bill, as shown in the figure below.

6. Finally, set up installment payment, as shown in the figure below.

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 set up installment payment for ICBC credit card?

ICBC Credit Card can be used for installment repayment:

1, customer service telephone handling:

Cardholders can call China Industrial and Commercial Bank Customer Service Center at 95588. After the call is connected, he will transfer to manual customer service according to the telephone voice prompt and apply for installment repayment from the staff.

2. The business outlets are:

Cardholders can bring their credit cards and ID cards to ICBC outlets and apply to the counter staff for installment repayment.

3. official website processing: (computer RedmiBookPro 14IE browser)

Cardholders can log on to the official website of China Industrial and Commercial Bank (), log on to their personal credit card online banking account, and select "Installment Payment-Set Installment Payment" in their personal account.

China Industrial and Commercial Bank credit card online official website application process;

1. Enter official website: the user logs in to ICBC online banking, clicks "Credit Card Service" and selects the option of "Apply for Credit Card", and the application link appears.

Enter the application page;

2. Fill in the application: After entering the application page, click "Credit Card Application Area", then select the desired credit card type, and click "Apply Now" to enter.

Enter the information filling page (be true and accurate when filling in the information);

3. Submit the application: After filling in the information, click the "Submit Form" option;

4. Bank review: After the application is submitted, the back-office system of ICBC will review the user's application and submit it to the local branch after the system is approved.

Check the next step;

5. Waiting for the result: if the approval is passed, the bank will take the initiative to inform the applicant; If the exam fails, the applicant can call 95588 to find out the reason.

Matters needing attention in applying for a credit card:

1. Materials submitted by users (including: identity certificate, income certificate, assets or financial certificate, etc.). ) must be true and effective;

2. The online application option only applies to RMB cards, and not every region can apply online;

3. ICBC has fewer door-to-door card salesmen. If you meet a door-to-door service salesman, please check the authenticity of your identity and pay attention to privacy;

4. After the application is submitted, the period from submitting the form to getting the card is generally between 4 and 8 weeks, and the review time takes about 15 working days (in general, after the card is approved, the applicant will receive a message or phone call, and after a period of time, he will pick up the card at the outlet where the application form is submitted, and some areas provide mail card service);

5. After getting the credit card, you can activate the card by phone, or you can activate the credit card business directly at the service counter of ICBC.

This is the end of the introduction of how to pay by installment with industrial and commercial credit cards and what it means. I wonder if you have found the information you need?