Do I need to go to the bank in person to make an installment payment?

Hello, the loans on the market can basically choose to be paid in installments to relieve the pressure on funds, and the time ranges from 3 months to 3 years. Choosing installment payment is not only to choose a long installment and low pressure, but more importantly, to choose a regular big brand, the loan platform is guaranteed, and the funds and personal information are safe.

It is recommended to use Youqian Hua, the original name of Youqian Hua is "Youqian Hua", which is a credit brand of Du Xiaoman Finance, which provides users with safe and convenient, unsecured and unsecured credit services

It has the characteristics of simple application, low interest rate and fast loan, flexible borrowing and repayment, transparent interest rate and strong security.

Share with you the application requirements for consumer products with money: it is mainly divided into two parts: age requirements and information requirements.

2. Information requirements: During the application process, you need to provide your second-generation ID card and your debit card.

Note: Only debit cards are supported, and the application card is also your debit card. My identity information must be the second-generation ID card information, and I cannot use a temporary ID card, an expired ID card, or a first-generation ID card to apply.

This answer is provided by Youqianhua, due to objective reasons such as the timeliness of the content, if the content is inconsistent with the actual interest calculation method of the Qianhua product, it shall be displayed on the page of Du Xiaoman Financial APP-Youqianhua Loan. Hope this helps.

1. Apply at a bank branch.

The party concerned takes his ID card to the bank to queue up and call the number, and then goes to the bank to find the counter staff to get the application form, and then adds the content that must be filled in the customer column above;

After calling the number, go to the counter, hand over the ID card and application form to the counter staff, and then handle it according to the instructions of the bank staff;

Regular bank cards (debit cards) cannot be used for installment payments, only credit cards (credit cards) are accepted, so you can rest assured that you will not be stolen.

When the ordinary bank card is handling the business, it is not possible to handle the business without the card, and the ordinary card does not have an overdraft function, and there is no installment payment, if he is a loan, the bank card can be installed, but in general, this bank card is directly given by the bank, of course, it can also be provided by itself, basically who applies for repayment, let others repay, must be present in person, provide a series of relevant documents, sign a series of procedures, so you don't have to worry about this kind of thing.

If a single credit card consumption reaches more than 1,000 yuan, you only need to call customer service** 3 days after the date of the transaction and 2 days before the latest bill date, and you can convert this ordinary consumption application into installment payment, and choose the installment period of 3 months, 6 months, 9 months, 12 months, 18 months, and 24 months. A one-time installment fee will be charged.

2.Merchant Installment.

You can purchase goods or services that can provide installment payment from the designated installment payment partner merchants, and after selecting the installment payment business model, the merchant cashier will carry out the relevant card swiping operation according to the installment payment business rules.

1. The main cardholder must have a good card usage record and no overdue current repayment.

2. Customers who only hold a business card or business card cannot apply for it for the time being.

3. Whether the installment application is approved or not, please refer to the results of the system review.

If the application is unsuccessful, it is recommended to continue to use the card, spend as many types of merchants as possible and repay in full, and may take the initiative** or SMS to invite you to installment in the future.

Other hard conditions:

1. The borrower must be between the ages of 18 and 60 and have a legal identity certificate.

2. The borrower has good personal credit and no bad loan record.

3. The borrower has a stable income, a stable residence, the ability to repay on time, and the monthly bank flow is more than 2 times the monthly mortgage amount of the loan.

4. The borrower needs to provide a guarantee approved by the bank.

5. The borrower can provide an explanation of the legitimate purpose of the loan.

Extended Information: Credit Card Application Requirements:

Generally, the application conditions are relatively close, and the specific application is actually operated according to the regulations of each bank.

Each card-issuing bank has its own card issuance standards, which generally have the following points:

1. Be at least 18 years old.

2. Urban and rural residents who have a fixed occupation and stable income, and the work unit is generally in the place of permanent residence.

3. Fill in the application form and sign it in the "Applicant's Signature" field.

To apply for a credit card, you will need to provide the following information:

1. Copy of ID card, proof of work, proof of income, etc.

2. If you can also provide bank deposit certificates, real estate certificates, degree certificates, etc., your application approval process will be more convenient and faster.

3. If you are a foreigner, an overseas person is applying for a local job, or an active military officer applies for a credit card in his or her own name, some card-issuing banks may require you to present a temporary account issued by the local public security department or a certificate issued by the relevant department (including a work certificate).

4. Other conditions required by each card-issuing bank.

Pay in installments, beware of processing fees.

As a financial management tool, installment payment has two major advantages: one is to reduce the pressure of excessive one-time payment, meet the needs of large consumption in advance, enjoy the joy of life in advance, and will not bring short-term capital turnover pressure; The second is to avoid large consumption to disrupt the rhythm of the use of funds, reduce the pressure of cash demand for large expenditures, and use the surplus funds for other financial needs, which will increase the rate of return of funds.

However, installment payment often requires payment of handling fees, and this handling fee rate is much higher than the bank's loan interest in the same period. Of course, various activities of "zero handling fee and zero interest" can also be seen in the market today, but most of the people who use this method are high-end electronic consumer goods, and the depreciation rate is relatively fast.

How to apply for installment payment by bank card: open the official bank ** and log in to your personal online banking (credit card to open online banking); After logging in to your online banking background, select Credit Card; On the credit card management page, select "I want to installment"; According to your billing situation, select the number of installments and enter the installment amount; Read the "Installment Terms and Conditions and Rate Table", and if there is no doubt, select "Installment" to complete the installment operation.

How to activate the bank card: Counter processing: The cardholder can directly bring a valid ID card and an inactivated bank card to a nearby bank branch to handle the activation business.

It should be noted that when the cardholder activates the counter, he or she needs to set an initial password that is easy to remember; **Activation: Cardholders can directly call the bank's customer service** to activate, and can choose to activate by voice or manually. Bank cards are mainly divided into credit cards and debit cards, but if debit cards are subdivided, they can be divided into savings cards, debit cards, special cards, etc.; Credit cards can also be divided into credit cards and quasi-credit cards.

How to update the expiration of the ID card of the bank card: The cardholder should bring the ID card to the bank counter for processing, or you can directly update it on the mobile banking app. Before the ID card expires, the bank will usually send a text message to remind the user that the ID card is about to expire.

After receiving the SMS, the user must apply for a new ID card in time. I bring the new ID card information to the bank and keep it again. Once the validity period of the ID card expires, the banking system will stop the relevant functions of the bank card, such as cash withdrawal, transfer, etc.

How to apply for unfreezing of bank card freezing: If the savings card is frozen due to entering the wrong password, the user needs to bring the original valid ID card and bank card to the bank branch to unfreeze; If the debit card is frozen due to judicial or other reasons, it can only be unfrozen after fulfilling the corresponding obligations; If you haven't used your savings card for a long time and your counter business is frozen, you also need to go to the counter with your ID card and bank card.

Operating Environment: Brand: Xiaomi Mi 8

1. ID card and bank card or social security card and driver's license.

2. A credit card is required, and the credit card overdraft limit is greater than that of the purchase.

Bank card conditions: You need a credit card, the credit card overdraft limit is greater than your mobile phone**, and then you need to go to a store that supports credit cards to buy a mobile phone.

For example: handle in a physical store, bring your ID card and bank card to the physical store, choose to guess the mobile phone you want to buy, select the details of the installment, the down payment, the number of installments, fill in the application information, person information, work information, submit for review, about 10 minutes, there will be customer service to contact you to confirm halfway, and take the machine home on the day the application is passed.

There are no conditions for installment payments, and it is sufficient to be able to repay the loan according to the installment time.

The practice of installment payment is that after the import and export contract is signed, the importer pays a small part of the payment as a deposit to the exporter, and most of the remaining payment is paid in installments after the product is partially or fully produced and shipped on the ship, or when the goods are installed, commissioned, put into operation and the quality assurance period expires. Features of Installment Payment:

1. Advance delivery of the subject matter. Installment sales are "first-delivery" transactions, that is, the seller generally delivers the subject matter of the sale to the buyer immediately when the buyer pays the price for the first time.

2. The installment payment of the price. The buyer's price is paid in stages according to a certain period of time, that is, the buyer needs to pay the price in more than two installments after taking possession of the subject matter, otherwise it is not an installment sales contract.

In fact, there are no conditions, as long as you have a credit card, the following will give you a brief introduction! At present, there are three main types of credit card installments: 1. Installment payment of shopping mall POS machine:

In the shopping mall special installment pos machine completed, generally 3, 6 periods are free, 12 periods to 2 3 points, in Gome Suning and other electrical hypermarkets or large department stores are more common, to carry out this business of the banks are: China Merchants Bank, CITIC, Minsheng, CCB, etc.; 2. Mail order installments: Almost all banks that issue credit cards are now doing this business.

A mail-order catalogue that comes with a credit card bill and a credit card is full of notebooks, digital products, fine jewelry, watches, and more. Although this installment does not require a fee, the above goods, especially digital products, cannot be changed, and digital products are the fastest changing commodities, and they are often considered to be higher than those in shopping malls (the fees charged by banks to **merchants are 8 20 percentage points); 3. Bill (single transaction) installment: This is the installment payment completed by the bank background after the consumption is credited to the account, call the credit card customer service to apply for the statement (transaction) installment.

The characteristic is that the transactions that can be carried out in installments are relatively wide (generally excluding cash withdrawals, house purchases and other transactions), but the rate is relatively high, between the monthly rate. Bank of Communications, Guangfa, China Merchants Bank, CITIC, CCB, Pudong Development and so on have carried out this business.

An installment sale is a special type of sale, which refers to a sale in which the buyer pays the seller the price in batches within a certain period of time. In a contract for the sale and purchase of instalments, the parties generally agree in advance to pay the price in several instalments, but at least twice.

Credit card, want to divide it, the bank earns interest, if you buy other goods, you have to see if the product supports installment payment, now mobile phones, computers, cars and many other things support installments, shop around without loss.

Hello landlord, there is no big hard requirement for installment payment, the main thing is whether the model supports installment.

Installment payment in the mall: The first requirement is that you must have a bank credit card and the amount is enough to pay for the products you want to buy. The second is that the products you buy can be done in installments, and this merchant also supports bank card installment payment, and has a dedicated installment payment machine.

From a practical point of view, the basic conditions of the loan are:

First, residents of Chinese mainland, under the age of 60;

Second, they have a stable residential address and place of work or business;

Third, there is a stable income**;

Fourth, there is no bad credit record, and the purpose of the loan cannot be used as a **, gambling and other behaviors;

Fifth, they have full capacity for civil conduct.

1.The following procedures are required for car installment payment: ID card of the car buyer (18 to 60 years old), proof of income (running bill), proof of housing (real estate certificate), ID card of guarantor, marriage certificate or certificate of unmarried. The above documents must be originals and copies, photocopies.

2.In addition, there are several cases:

3.The loan must be insured by an insurance company approved by the bank, "Motor Vehicle Consumer Loan Guarantee Insurance".

4.Continuous insurance "Motor Vehicle Warranty Insurance". Husbands and wives vouch for each other. The amount paid exceeds the total amount at the disposal of the household.

5.You will need to fill out an application form for a consumer loan. It is important to note that the information in this information is an important condition for determining the success of a loan application. Because there is some information that can tell whether the car buyer has a stable income and the ability to repay the principal and interest of the loan.

6.Depending on the plan, the bank will have other conditions.

7.Nowadays, many goods can be paid in installments (such as mobile phones, houses, cars, etc.). ).The procedures required vary depending on the cargo.