How did the CITIC credit card pay in installments? When I checked the Internet for the first time, I didn't see the bills I just brushed.
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CITIC Bank's credit card cannot be staged.
The relevant provisions of CITIC Bank credit card:
1. The merchant seal the bill or withdrawn from the cardholder to receive the billing bank, liquidate the receipt line, and retract the funds of the cushion.
2, the cardholder's electronic payment network and the magnetic band input and artificial password input through the electronic payment network and cards established by the cardholder can realize the functions such as credit card consumption, ATM withdrawal, transfer, and various payment. Expenditure is equal to the reduction of savings account balance. The account balance is zero, and the payment effect of the card has also been reduced to zero. The application for savings cards is very simple. Without banks for approval, it is generally available for implementation.
3. With my valid identity documents, go to any business outlets of the bank. A current account must be opened first. The account balance must not be less than 10 yuan. Do not pick up households by the seal branch. Non -hanging households and frozen households, the account status is normal.
4, savings card charges mainly include annual fees, small account management fees, losing costs, new card workers, cash withdrawal fees (including local cross -bank, off -site banks, cross -bank cross -bank, overseas ATM, Hong Kong and Macao regions), transfer fees (Including different places, cross -bank banks, local cross -banking, foreign exchange remittances), online banking transfer fees (including different places, inter -banks, local cross -bank, overseas remittances).
5. A consumer service tool provided by the store. In the bank card network, there are shopping malls, hotels, entertainment venues, public service venues, etc. with POS terminals. Savings card users can use the account without cash for consumption,
The user consumption and payment amount is not restricted. Acceptance fees. But the account cannot be overdrawn. In addition, the savings also opened the mobile payment business and the telephone wallet payment business. The payment is easy and flexible. It is more convenient to pay anytime, anywhere.
Therefore, CITIC Bank's credit card cannot be staged.
extension information
The functions of CITIC Bank credit card:
1, convergence function
general accounts guide many scattered small amounts of small amounts of funds, which can be invested in social reproduction Fund collection function. Here, the stock market plays the role of "reservoir" of funds.
2, configuration function
The allocation of resources, general accounts transferred resources from low -efficiency use departments to high -efficiency departments, so as to enable the most effective configuration of a society to configure the highest efficiency or effectiveness. The biggest purpose is to achieve reasonable allocation and effective use of scarce resources.
3, adjustment function
The regulatory effect on the macroeconomic account for personal account. The stock market is connected to the savings, and the other side is connected to investors. The operating mechanism of the stock market plays a role through the impact of savings and investors.
Reference materials Source: Baidu Encyclopedia-CITIC Bank
Baidu Encyclopedia-Credit Card
CCM Bank official website-credit card guide
Cardholders can call CITIC Bank Consumer Consumer Consumer Consumer Consumer Line 40069-95558 to handle the bills/single installment, cash transfer, dreamer gold staging and other installment businesses. Service time: Monday to Sunday 8: 00-24: 00.
Am dream gold gold as an example:
The CITIC Bank Credit Card Dream Dream Products can use the temporary quota and enjoy automatic installment in training, home improvement, car purchase, wedding, travel, etc.
The temporary amount of dream gold is given priority, and the permanent amount of daily consumption of credit cards is used to automatically complete the installment. Transactions such as real estate, finance, public hospitals, government services, pre -authorization, gaming and other transactions will not be able to use the temporary temporary quota of Dream Gold.
The condition of dreams of dreams
1. Holding CITIC Bank credit card, and the condition of using the card is good.
2. The credit card for registration must be an effective main card. Blue cards, official cards, affiliated cards, or cards are unusually unable to handle.
3, the specific application results or the dreamer of the dreamer of the dreamer are used in real -time review results of the system.
4, as long as the conditions are met, the dream gold products can be handled multiple times.
Extension information:
M dream amount
CCMBC credit card dreamer amount is CITIC's temporary quota for your credit card credit card. There is a valid period. The dreamer amount is automatically updated by the monthly monthly degree and cannot be adjusted manually. The amount of dreams will change according to your card situation.
The dreamer gold cannot be checked in the account after the opening of Dream Gold. After swiping the card consumption, the amount will be automatically included in the account.
Reference information Source:
The CITIC Bank-where is the credit card of CITIC Bank?
INT-CITIC Bank-What business is CITIC Bank Credit Card Yuanmengjin?
Apply for the credit card installment of CITIC Bank. Applying for installment repayment on the app.
This information:
The main credit card installment business: CITIC Bank has a single consumption installment and bill installment. The number of staging periods that cardholders can apply for application are 3, 6, 9, period, 12, 18, 24, and 36. % 0.75%, the principal should be repaid per period = the total number of staging ÷ the number of installment periods in installments, and the principal (accurate to the score) of each period is included in the cardholder's credit card account month by month. In the first phase.
2, the bill installment. The number of staging periods that cardholders can apply for handling are Phase 1, 3, 6, Phase 9, Phase 9, Phase 12, Phase II, Issue 24, 36, and each period of 1.50% 0.80% 0.80% 0.76%, respectively 0.76% 0.73% 0.75% 0.75% 0.75%.
3, the principal should be repaid per period = the total amount of the bill in installments ÷ the number of installment periods, each period should be repaid (accurate to the score) to the cardholder's credit card account month by month. In the first phase. Each period of the installment = the total amount of the bill staging × the corresponding period of the period.
Reference materials: Baidu Encyclopedia -credit card installment payment
1. Repayment method:
The application method of applying for CITIC Bank credit card as follows:
1, WeChat application
The WeChat bank credit card WeChat service number, click "card/installment" - "bill installment", You can handle it.
2. Telephone application
Cost the credit card customer service of China CITIC Bank, press 1 Mandarin to enter the main menu, select the 0 input card number or certificate number to enter the manual service, inform the application amount and period, and the customer service after the system review The commissioner informs the application results.
3, online banking application
Login online banking, after entering the credit card page, select "My Account", and click "Inquiry in this issue" - "Select Card". Click to apply for the bill installment, select the period, and confirm the submission.
. How many periods can be divided:
1960 yuan can be divided into up to 24 periods, at least 3 periods to be repaid. Other stages also have 6, 9, 12, and 18. The monthly repayment is 95.4 yuan per month, and the monthly repayment is 667.43 yuan per month. How many periods need to be repaid and refer to your own repayment capabilities. The less the installment period, the lower the handling fee.
The calculation method of handling fees is: transaction value × monthly rate × installment number; depending on the number of stages, the handling rate is different, CITIC Bank's handling rate is as follows:
3 n: 0.72%; 6th: 0.66%;
9: 0.66%;
12:
0.65%;
18: 0.70%;
24: 0.70: 0.70 %
. The monthly repayment amount is different depending on the number of installments.
. Can it be repaid at other banks
The repayment in other banks. You can bring any debit card with UnionPay logo, which are laid by major banks such as CITIC, Minsheng, Ping An, Pudong Development, Huaxia, and Shenzhen. The self -service intelligent terminal of the logo or the wealthy friend's logo, the UnionPay logo, and the UnionPay business payment with UnionPay logo is easy to repay the CITIC Credit Card.
Extension information
F fee
The early period of credit card installment payment business, banks often publicize the banner of "interest -free", indeed many citizens "be fooled". In fact, interest -free is not free, it is just different.
In general, the handling fee for a 1 -year payment of the general credit card is less than 18%of the cash withdrawal interest, which is 5.31%higher than that of the bank's commercial loan interest for one year. It is worth mentioning that the loan interest rate of commercial banks has been reduced many times since last year, but the standards for credit card installment payment and cash withdrawal have rarely changed.
although the standards for installments of credit card in each bank are different, the calculation method is roughly the same.
I assumed that the installment payment amount is 1200 yuan, which is divided into 12 periods. Each period (month) repays 100 yuan, the handling fee is 0.6%/month, and the actual deduction of 100 1200 × 0.6%= 107.2 yuan per month is actually deducted. If other factors are not considered, the nominal interest rate that can be converted is 7.2%, but the cardholder does not owe 1200 yuan for the bank. In the last month, only 100 yuan in the bank, but the bank still charges the handling fee at 1200 yuan. Essence
According to calculations, the real annual interest rate that the cardholder wants to pay is about 15.48%. According to the correct calculation formula, it should be 1200*6%*(1 6%)^12/((1 b)^12-1) = 103.94 yuan, a 3.2%handling fee per period.
advantage
The main benefits of credit card installment payment:
1, enjoy first, then pay.
2, no guarantor, simple procedures.
3, timing quota, easy payment.
4. Payment free monthly repayment quota
5, more space for the payment method.
Reference materials: Baidu Encyclopedia-Credit Card installment payment
WeChat: Add
The CITIC Bank Credit Card WeChat
service number, and click "Card/installment "-" Bill installment "to handle it.
Tel: Call 400-889-5558, press 1 Mandarin Press#No.
Main menu
, select 0 input card number or certificate number to enter the manual service, inform the application amount and period, the system, the system, the system, After the review
The customer service commissioner
The application results.
The online banking: log in to online banking and enter the credit card page. Select "
my account number
", and click "Inquiry in this period" - "Select Card". Click to apply for the bill installment, select the period, and confirm the submission.
SMS: After receiving the bill after receiving the bill, the bank invites the application for SMS, and send the FQ to the last four digits of the card. The system can immediately inform the processing results.
The minimum monthly repayment of CITIC is 5%of the total repayment of the current account. Select
The minimum repayment amount
After the repayment, starting from the consumption day, the interest of five thousandths per day, and the monthly interest repayment.
The 3,000 yuan, it takes 12 periods, 250 yuan per month. CITIC's approach is to freeze the amount of 3,000 yuan, and you can pay 250 yuan per month. (If you
The credit card quota
is 3000, then your
A available quota
is equal to 0 after the staging. n Extension information:
On December 8, 2003,
Conneys CITIC Credit Card Center
officially issued
CCM Credit Card
, as of the end of October 2006, at the end of October 2006, at the end of October 2006, at the end of October 2006, at the end of October 2006, at the end of October 2006, at the end of October 2006, at the end of October 2006, at the end of October 2006, at the end of October 2006, at the end of October 2006, at the end of October 2006, at the end of October 2006, at the end of October 2006, at the end of October 2006, at the end of October 2006, at the end of October 2006, at the end of October 2006, at the end of October 2006, at the end of October 2006, The cumulative number of card issuance has been nearly 2 million, ranking among the forefront of the domestic banking industry, of which
The credit card of CITIC Platinum Credit Card
has ranked first in the country. Essence
If person to use the payment method after installment, then you cannot change it again after determining the number and amount of the installment. This needs attention. In addition, you must repay in time to avoid more bad credit.
The CITIC Bank credit card can be designated at Gome,
Suning
and other designated merchants
installment payment
, the credit card limit must be greater than equal to all the amount of the product to pay successfully. For example: 3,000 yuan in this product, it needs to be divided into 12 periods, and 250 yuan per month. CITIC's approach is to freeze the amount of 3,000 yuan, and you can pay 250 yuan per month. (If your credit card limit is 3000, then your availability quota is equal to 0 after you handle the installment. After the repayment is completed, the quota can be changed to 3000.)
Reference links:
CITIC Credit Card