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
Pay interest on a monthly basis and repay the principal when due. 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.
How to handle the installment repayment of CCB credit card?
China Construction Bank can use mobile banking to apply for credit card installment, and the steps are as follows:
Operating environment:
Brand model: iPhone 13
System version: iOS 15.3. 1
Application version: v5.6.7.00 1
I. Enter the "CCB Mobile Banking App".
2. Click "Credit Card"-"Bill Installment Application" in turn.
Third, choose stages according to the prompts.
Credit card installment payment refers to the process that when the cardholder uses the credit card to make a large amount of consumption, the bank pays the consumer funds of the goods (or services) purchased by the cardholder to the merchant in one lump sum, and then the cardholder repays the money to the bank in installments and pays the handling fee. According to the cardholder's application, the bank deducts the consumption funds and handling fees by stages through the cardholder's credit card account, and the cardholder repays according to the monthly recorded amount.
In the early days of credit card installment business, banks often advertised under the banner of "interest-free", and many citizens were really fooled. In fact, interest-free is not free, just a different name.
Generally speaking, the handling fee of credit card installment 1 year is lower than the annual cash withdrawal interest 18%, and higher than the bank commercial loan interest 1 year 5.3 1%. It is worth mentioning that in recent years, the loan interest rate of commercial banks has been lowered many times, but the standard of credit card installment fee and cash withdrawal interest has rarely changed. Although different banks have different standards for credit card installment fees, the calculation methods are basically the same.
Suppose the installment amount is 1, 200 yuan, divided into 12 installments, and each installment (month) repays 1 0,000 yuan, and the handling fee is 0.6%/ month. The actual monthly deduction is 1 006,5438+0,200×. If other factors are not considered, the convertible nominal annual interest rate is 7.2%. But the cardholder did not always owe the bank 1.200 yuan. In the last month, he actually only owed the bank 1 1,000 yuan, but the bank still charged the handling fee according to 1, 200 yuan.
According to the calculation, the actual annual interest rate that the cardholder has to pay is about 15.48%. According to the correct calculation formula, it should be12000.6% (10.6%)12/(10.6%)12-1) =/kloc-.
From the form of installment payment, there is a limit on the initial amount of a single transaction for cardholders to handle this business, and the level of installment repayment and the standard of handling fee are also different; It can be roughly divided into three categories:
The first category is the cooperation between banks and special merchants, but the product types are limited;
The second category is the catalogue of the bank, which is purchased by the cardholder, and then the bank entrusts the supplier to deliver the goods to the customer;
The third category is not limited to merchants and commodities. Cardholders can apply for installment repayment from banks after shopping, and some banks even set the acceptance scope to the whole world.
How does CCB credit card repay in installments?
Operating environment:
Brand model: Yijia 10Pro
System version: ColorOSV 12. 1
Application version: v5.6.7
CCB credit card installment payment method is as follows:
1. CCB credit card SMS installment application. 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.
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.
3. Online installment of CCB credit cards. After logging in to CCB official website, individual online banking users select Credit Card Inquiry-Select-Inquire about Issued Bills-Apply for Bill Installment.
4. CCB credit card telephone installment payment. Call the customer service phone of CCB Credit Card to apply by phone, and follow the prompts after entering.
CCB Credit Card is a credit card issued by China Construction Bank. The credit cards issued by China Construction Bank are all named "Longka", including: Longka Famous School Card, Longka Business Card and Longka Automobile Card.
knowledge
Annual fee-free policy: swipe your card for 3 times or 18 times (excluding special cards such as business cards and car cards) to avoid the annual fee for the following year.
Withdrawal fee: domestic: 5‰ of the transaction amount, with the lowest 2 yuan and the highest 50 yuan; Overseas: 3% of the transaction amount, with a minimum of $3.
Multi-account management: Bank * * * enjoys the same repayment independence of multiple CCB cards on the billing date.
Online payment: Alipay: it can be used after online registration, with a single payment and a one-day limit of 500 yuan.
Installment business: support interest-free installment for specific merchants (3, 6, 12). After a single consumption exceeds 1000 RMB, you can apply for installment by phone (3,6,0/2,0/8,24), and different handling fees will be generated for each installment according to the number of installments.
Billing date: There are multiple billing dates every month, and the cardholder can change it once a year within the validity period of the card.
Currency: RMB, RMB/USD, RMB/Euro.
interest
Interest-free repayment period: Interest-free repayment period refers to the interest-free period of consumer transactions enjoyed by cardholders who repay in full on time. The interest-free period is from the bank bookkeeping date to the repayment date, with a minimum of 20 days and a maximum of 50 days. Overdraft cash withdrawal transactions do not enjoy interest-free repayment period.
Tip:
If you don't repay in full before maturity, you won't enjoy the interest-free period. The Construction Bank will charge interest at a daily interest rate of 0.5 ‰ and compound interest monthly. The interest-bearing date is from the date of consumption to the date of repayment, and the interest-bearing principal is calculated according to the actual amount payable.
If the repayment is not made before the due repayment date or the repayment amount is lower than the minimum repayment amount, CCB will charge interest as required, and at the same time charge a late fee of 5% of the minimum repayment amount.
Can CCB credit card apply for installment?
CCB's credit card can be applied in installments, including WeChat application, SMS application, mobile banking application and online application.
1, WeChat application
Pay attention to "CCB e-banking" WeChat official account;
To bind a credit card, 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 "CCZZ # amount # last 4 digits of installment number" and send it to 95533 to apply for installment repayment.
3. Mobile banking applications
Enter "Mobile Banking of China Construction Bank", click "Credit Card"-"Application for Bill Installment" in turn, and fill in according to the prompts.
Step 4 Apply online
Personal online banking users log in to CCB official website, click Apply for bill installment, and select "Credit card inquiry-select-inquire about issued bills-apply for bill installment".
After the registered user enters the credit card channel, click Apply for bill installment and select "-Bill-RMB-Apply for bill installment".