I just ordered the unbilled installment from China Merchants Bank, can I cancel it now? Thank you

Hello, if the application for bill installment is approved, it cannot be revoked, and the installment amount and number of installments cannot be changed. After the application is approved, the unpaid principal and handling fee will be settled at one time, and the bill amount must be paid off at one time. (There is no installment business for business cards).

If you have any questions about other China Merchants Bank credit cards, please search for "4008205555" in QQ Corporate Friends and add "China Merchants Bank Credit Card Center" as a friend; Or search for the number "cmb4008205555" in WeChat"China Merchants Bank Credit Card Center"Thank you for your attention and support to China Merchants Bank!

1. Credit card exceeds the number of installments: Many people may not know that there is a limit on the number of credit card bill installments, and different banks have different restrictions on the number of credit card bill installments, some banks can only apply for one installment in a bill day, such as China Construction Bank, and some banks can only apply for one bill installment within three months, such as Ping An Bank.

2. Credit card has an overdue record: Banks value the credit of cardholders, and if your credit card has an overdue record, then the application for bill installment is likely to be rejected.

3. The amount of bill installment is greater than the available limit: If the available limit of your credit card is only 5,000 yuan, and the amount you apply for bill installment is 6,000 yuan, and the amount of bill installment is greater than the available limit of your credit card, in this case, the bill installment application will generally be rejected.

4. Suspicion of cashing out: often maxing out credit cards at one time, often swiping cards at fixed POS machines for consumption, often swiping cards during abnormal business hours, etc. These are bad card habits, and it is easy for the bank to suspect cashing out, and once the bank feels that the cardholder is suspected of cashing out, then the application for bill installment is easy to be rejected.

5. Exceeding the time that can apply for bill installment: The current month's bill can only apply for bill installment in the current month, and the cardholder can apply for bill installment business from the day after the current bill date to the last repayment date.

6. Cash withdrawal amount and temporary quota cannot be installment: If your credit card bill amount is mainly cash withdrawal amount or temporary amount, then the bill installment application will be rejected. Because the cash withdrawal amount and temporary quota cannot be used for bill installment.

This answer is provided by Youqianhua, a credit service brand under Du Xiaoman Finance (formerly Finance), which provides personal consumer credit services for the public and creates an innovative consumer credit model. Youqian uses artificial intelligence and big data risk control technology to bring users convenient, fast and reassuring Internet credit services. Click below on the mobile phone to measure the amount immediately, and the maximum amount you can borrow is 200,000.

Can cancel, hit ** to them. Will help you cancel.

Once the cardholder's application for bill instalment is approved, it cannot be revoked, and the amount and number of installments cannot be changed.

China Merchants Bank credit card installment application conditions are:

1. The cardholder can apply for installment between the date of the transaction and the day before the statement date of the corresponding bill.

2. Apply for installment for transactions that have not yet been billed, and the minimum amount of each application shall not be less than RMB 500.

1. Bill installment application conditions:

1. The latest bill has been repaid in full on time, and there is no delay in the repayment of the last three bills;

2. Transactions that cannot be applied for bill installment include: cash advance transactions, installment transactions and various fees (such as annual fees, interest, late fees and other credit card charges); U.S. dollar account transactions and monies requested for the purchase of foreign exchange, real estate transactions, pre-authorized transactions, and other transactions as specified by the card center.

2: Pay by installments is mostly used in some product transactions with long production cycles and high costs. Such as the export of complete sets of equipment, large vehicles, heavy machinery and equipment, etc.

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.

Three: market implications.

Installment payment is actually a type of loan given by the seller to the buyer, where the seller is the creditor and the buyer is the debtor. The buyer can get the goods or services he needs after paying only a small part of the purchase price, but because interest is included in the subsequent instalments, the amount paid for the same goods or services with the instalment payment method is more than the lump sum payment.

Three: behavioral characteristics.

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.

Four: Suggestions for use.

Figuring out the scope of installment payments Various banks have different practices for installment payments, and in addition to the products on the credit card installment payment catalog, some banks have specific requirements for the place and amount of purchase. China Merchants Bank, on the other hand, can apply for installment payment when spending at Gome Electrical Appliances and B&Q. It's important to find out if you can pay for the purchase in installments before you make a purchase.

Five: Accurately calculate the handling fee There is no free lunch in the world, although the credit card installment payment is free of interest, but the handling fee is unavoidable. It is necessary to calculate the handling fee to be paid before consumption, and if the handling fee is added** is acceptable, it is not too late to swipe the card.

Six: Choose the most cost-effective credit card Since each bank calculates the handling fee differently, then after understanding the credit card handling fee, you should choose the most suitable card in your hand for the transaction.

Hello, if you are referring to the cancellation of a credit card transaction, you also need to verify the cancellation with the merchant of the transaction.

Once the cardholder's application for bill installment is approved, it cannot be revoked, and the installment amount and number of installments cannot be changed.

China Merchants Bank credit card installment application conditions are:

1. Cardholders can apply for installment between the date of the transaction and the day before the statement date of the corresponding bill for transactions (except for transactions recorded on the day before and on the day before the statement date of the corresponding bill), and if the merchant fails to settle with China Merchants Bank within two days after applying for installment, the installment application will be automatically cancelled.

2. The minimum amount of each application shall not be less than RMB 500 for transactions that have not yet been billed. The total amount of instalment application must be equal to the sum of the original transaction amount, and cardholders are not allowed to apply for partial instalment of a single transaction that has not been billed.

3. Transactions that cannot be applied for installment include: cash advance transactions, installment transactions and various fees (such as annual fees, interest, late fees and other credit card charges), US dollar account transactions and RMB funds that have been applied for foreign exchange purchases, real estate transactions, pre-authorized transactions and other transactions specified by the Bank's credit card center.

4. Whether the application for transaction installment is approved or not is subject to the comprehensive evaluation result of the Credit Card Center of China Merchants Bank.

2. Customers who only hold a business card, business card, procurement card, ANA card, campus card or supplementary card cannot apply for bill installment for the time being.

3. Apply for RMB bill installments, and the minimum amount of each application is not less than 300 yuan.

4. Cash advance transactions, installment transactions, various fees, RMB funds that have been applied for foreign exchange purchase, real estate transactions, pre-authorized transactions and other transactions stipulated by the credit card center of the Bank cannot be processed in installment.

5. The final success of the bill installment application is subject to the comprehensive evaluation result of the Bank's Credit Card Center.

Resolutely do not apply for a China Merchants credit card, big garbage, do not handle installments, and this bank will eat your interest.

You can open and enter the installment amount and the trial interest on the left side of the page, and whether the bill installment application is successful or not is subject to the comprehensive assessment result of the credit card center.