How to apply for credit card installment

Method:

1. Apply by phone, call the customer service phone of the credit card bank, choose manual service according to the prompt, then tell the customer service the amount and number of installments you want to apply for, and wait for the application to be approved.

2. For online banking, log in to online banking and credit card account, select bill inquiry, and then click bill installment, complete it and submit it, waiting for approval.

3. use wechat to handle the transaction, add the wechat service number of the bank, and choose to handle the card and installment business according to the prompts on the page.

4. For bank outlets, you can take your ID card and credit card to the business hall of the bank to get the number directly.

how to repay the credit card in installments

If you want to pay for the credit card in installments, you can choose to pay by installments when you pay, or you can choose to repay it by installments when you repay. 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. As the payment has been made in full, the user can choose to pay the bill in installments, so that the repayment can be made in installments.

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

credit cards can be divided into 36 installments at the longest, and most banks can divide them into 24 installments at the longest. After credit card installment, it is necessary to pay the 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 receive more fees for installment business and are more willing to increase the credit card limit. This understanding is wrong. Banks give credit cards to users with more reference to users' credit information, repayment ability and credit card usage.

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How to repay by installment with credit card

When there is pressure on your capital repayment, choosing credit card to repay by installment can alleviate your capital pressure without affecting 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. 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 and 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 for application;

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 amount to be applied for installment and the repayment period to confirm.

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

4. Go to the bank counter. If you are unclear, you can directly consult the bank counter staff for face-to-face communication.

Now credit card installment business is a routine service launched by banks. You can handle the business according to your actual needs.