Usage of decoration installment card of CCB: 1. Customers apply for renovation by stages at CCB outlets and CCB cooperative merchants, and submit relevant materials to CCB staff; 2. CCB accepts customers' applications and issues special installment cards to customers after approval; 3. According to the progress of house decoration, the customer applies to CCB for the expenditure quota; 4. According to the business agreement with China Construction Bank, the customer uses the installment payment card to pay the decoration-related expenses at the merchant designated by China Construction Bank and independently complete the installment payment transaction, or authorizes China Construction Bank to allocate the corresponding funds to the collection account of the designated merchant after completing the installment payment transaction; 5. The customer repays the loan on a monthly basis within the agreed time limit and pays a certain handling fee according to the agreement with CCB. Construction Bank's decoration installment card is a credit line issued by the Construction Bank to users after they submit their application for decoration installment business, and users can use this credit card to spend decoration at designated merchants. After the decoration installment card is issued, the activation card can be used. Outlets, mobile banking and calling customer service can all be activated. Cards are used for swiping cards and can only be used for decoration. For example, swiping a card in a decoration company, swiping a card in the building materials market, or buying furniture and other items related to decoration can all be used. The amount in the decoration installment card of China Construction Bank is exclusive and can only be used for decoration, so the risk of withdrawing cash is serious. After the CCB decoration installment card loan application is successful, it will be repaid directly through the personal dragon card credit card account. The monthly repayment amount of the user using the installment card of CCB decoration will be included in the minimum repayment amount of the credit card, and the borrower only needs to repay the credit card bill regularly. Although the installment card of CCB can't withdraw cash and transfer money, it can be spent by swiping the card through the POS machine. Staging cards can be swiped in shopping malls, but there are certain restrictions. For example, you can only swipe your card on the POS machine of the designated merchant, and the purchased goods must meet the purpose of staging.

Second, how to use the decoration installment card?

First of all, after the user successfully handles the building decoration installment, CCB will give the applicant a certain credit line and allocate the credit line to the special debit card account for decoration installment opened by the user in CCB.

After that, the borrower can spend money at the merchant designated by CCB with a debit card, and then the cardholder can use it on the professional phased POS machine of the cooperative merchant. After using the consumption quota, you only need to repay the loan quota in installments.

Third, how to operate the installment payment for decoration?

Here in Shanxi, the operation is as follows:

The required application materials include signing a contract with the big property house network, ID card, and 3-month salary of CCB.

It also needs to meet certain credit requirements, such as: no more than three non-bank lending institutions; The number of credit card holders shall not exceed 8 institutions; No more than 6 credit inquiries within six months.

Fourth, how to operate the installment payment for decoration?

1. Proportional arrangement of installment payment. According to the practice of decoration industry, the proportion of the first set of decoration expenses is very large, generally exceeding 50% of the total decoration expenses. This cost is mainly used to buy decorative materials and pay the first work cost of the construction team.

Due to the different management methods of decoration companies, the proportion of owners required to pay is also very different, ranging from 50% to 70% to 75%. Before payment, consumers should first sign an effective home decoration project construction contract with the decoration company. After the first decoration payment, the construction team entered the construction site to start construction.

2. After the project has passed the quality acceptance, the owner will pay the decoration company 25%-30% of the second-phase project payment. The decoration company must ensure that the quality problem is solved before payment. Before confirming that there is no quality problem, consumers can't pay the second payment.

3. After the construction is completed and the quality is qualified, the owner pays 5%- 10% of the final project payment, which is prone to problems. The owner refused to pay the project payment on the grounds of unqualified decoration materials, quality problems and long construction period. In fact, these problems should be solved according to the contract. If the contract is strictly signed before the renovation, disputes can be avoided.

4. After the project is completed and the site is cleaned up, the customer will keep 5% of the total project price as the quality deposit, which will be paid after half a year. The remaining project funds shall be paid to the decoration company in one lump sum after the completion acceptance is satisfactory to both parties.

Extended data:

Handling channels of decoration loans

(1) When a borrower applies for a house decoration loan, he/she must go to the business outlet to apply for starting the business, fill in the application form, submit relevant materials, and go through relevant guarantee procedures;

(2) After investigation and review by the account manager, the loan contract shall be signed after being approved by the competent department of examination and approval;

(3) The account manager handles the loan procedures and transfers the money to the borrower's personal settlement account in our bank, so that the customer can use the loan funds;

(4) The borrower repays the loan at the business counter, or leaves enough repayment amount in the deposit account or bank card, and entrusts the loan bank to withhold the repayment; ⑤ After the loan is settled, the bank cancels the creditor-debtor relationship with the customer and goes through relevant procedures.