China Merchants Bank s credit line installment payment with a credit card

1.The amount of credit card applied for is assessed by the bank based on comprehensive scoring, such as salary, age, length of service, education, position, personal property status, past credit card use records, etc., which are directly related to the credit card and the limit.

2.You can start by applying for a temporary quota increase that you can do now"Excess instalment"For 4500 yuan, if you apply to customer service for a temporary quota increase, you can still hope to buy a computer under 8000 yuan, but you must apply to customer service 8008205555 1 9 to customer service.

3.There is no other way, either you just wait for 3 months, and now maintain a certain amount of credit card every month, repay on time, and increase it to about 5,000 yuan after 3 months, plus the installment of 8,000 yuan.

4.Swipe the card more than 1,000 yuan per month and repay it on time.

1 It's normal for the 2 of you to have different credit limits He used to have a credit card, and if he used it, any bank that would have a credit history could check it.

And if you have a loan to buy a house before, the relative credit will also be high.

2 For you to buy 8000 things with a 3000 limit, I feel that as long as the installment does not exceed your limit every month, it should be fine, as for the 4500 you can only buy, I don't know.

The more you swipe the card, the higher the increase on time, you can't say how much, but you can apply for 8000 after 3 months, but it is approved by people, how much will be a bit subjective in it, more swiping and paying off on time must be good, I can only say so.

Of course not, you can get a local bank card that you find convenient, and you can cancel it when you don't need it.

The maximum amount of credit card bill instalment application is subject to the system evaluation results. After the bill installment is successful, the total installment amount will occupy the available credit, and you will repay the previous installment and the credit will be restored to the previous installment. As long as you pay your bills on time each month, it won't affect your credit.

1）.When you run out of credit in December, you don't have any available credit until you repay it, that is, you can't use it.

2）.Whether you can continue to use the card depends on whether there is an available limit, which will decrease after consumption and increase after repayment. You can continue to spend as much as you have available or how much you have recovered.

It doesn't matter what month it is. Because not every month there is a line of credit. There is only one total quota, excluding what has been consumed, and the rest is the available quota.

The available credit fluctuates with spending and repayment. When the quota is used up, it can be used as 0 yuan, and after the repayment of 500 is received, it can be used as 500 yuan.

3）.The available amount increases with the repayment, which is correctly understood.

4）.The temporary amount must be repaid in full and cannot be repaid in minimum, but it should be possible to apply for an instalment payment.

Hello, if you are unable to apply for installment due to insufficient quota, it is recommended to use the following methods: (1) Apply for an increase in the fixed quota; (2) The insufficient amount is completed by depositing the corresponding amount of money to complete the installment transaction (i.e., overpayment installment); This requires a manual attempt. (3) Partial payment to the merchant in cash or other means to reduce the amount of instalment payment; (4) After the one-time payment, call to apply for bill installment, but the bill installment needs to pay the corresponding handling fee, and whether the application is approved is subject to the comprehensive assessment result of our bank.

One way is to call the bank's customer service center to apply for a temporary increase, which can generally be applied for for three months, and the requirements are relatively not very high, as long as the credit history is good, you can generally apply for a temporary increase.

Another way is to deposit the difference into your credit card, which can also increase the credit limit. For example, if you want to buy something worth 6,000 yuan in installments with a credit card limit of 5,000, you can deposit 1,000 yuan into the credit card first, which is equivalent to increasing the available limit of the credit card to 6,000 yuan, so that you can pay in installments.

It is recommended that when the credit card limit is insufficient, you can try to apply to the bank for a limit increase on the premise that the card has a good record.

Credit card installment occupies the card limit, and the bank has to freeze it at one time, and if your credit limit is not enough, it is impossible to install.

After applying for a temporary increase in the quota, you can apply for installments.

Installments are not allowed for the temporary quota.

The installment payment of China Merchants Bank credit card only accounts for the installment limit, and if the installment amount is just equal to the full limit of the credit card, the entire amount will be occupied.

Interest-free installments;

Depending on the number of installments, you can pay a certain amount of handling fee;

Free handling fee for the purchase of bank credit card ** items;

If the repayment is completed before the monthly repayment date, you can enjoy the interest-free policy;

The maximum installment limit is equal to the maximum authorized amount of the credit card;

Once the installment payment is applied, the corresponding amount in the card will be frozen immediately;

repay one sum and unfreeze one sum;

The amount is sufficient and multiple installments can be made.

Hello, after the bill installment application is successful, the current bill needs to be repaid only for the amount other than the bill installment, and the principal amount payable in the first installment (the principal payable in each installment = the total amount of the installment principal and the number of installment periods) and the handling fee will be reflected in the next month's bill. The bill instalment transaction is fully offset against the bill amount, and 10% of the minimum payment balance is offset against the minimum payment balance. If you have any questions about other CMB credit cards, please search for 4008205555 in QQ Corporate Friends and add China Merchants Bank Credit Card Center as a friend; Or search the number "cmb4008205555" in WeChat and pay attention to China Merchants Bank credit card Zhongshu Moxin for consultation, thank you for your attention and support to China Merchants Bank!

Merchants who have an installment agreement with China Merchants Bank can directly swipe their credit cards to apply for installment when paying the fee. Merchants who do not have an agreement can log in to the online banking to apply for installment after swiping the full amount, or call Qishi customer service** to apply for installment, but the latter two installments may not be approved, but the probability of general approval is very large.

All principal cardholders of China Merchants Bank except for business cards and student cards can apply for this service.

You can choose from: 3 periods, 6 periods, 12 periods.

Handling fee: 3 installments, 6 installments, 12 installments.

Formalities are widened rates.

Note: 1. The minimum handling fee is RMB 20 per transaction;

2. The handling fee will be charged at one time after the application is successful, and it will not be refunded once the limb is collected. Early repayment, but the handling fee charged is not refundable;

3.The re-application for bill instalment must be at least 30 days after the latest successful instalment application.

In terms of consumption form, at present, our bank has shopping installment at the time of consumption and bill installment after consumption

1. Shopping installment: Through the special merchants of our bank, choose to purchase designated goods or services by installment payment. For the specific fees and charges of installment payment and the merchants that can be handled, you can log in to our credit card**.

Click on "Installment Shopping" to enquire;

2. Bill installment (cardholders who only hold commercial cards, business cards (including financial and official Li cards), eggplant pants late purchase cards, ANA guarantee cards or supplementary cards cannot apply): If the merchant you shop at is not a special merchant of our bank, you can apply for bill installment after consumption. Bill installment is a new type of wealth management function launched by our credit card, which can help you repay the consumption amount in the bill in monthly installments, and whether the bill installment application is approved or not is subject to the comprehensive evaluation result of the credit card center of our bank.

For more information, please log in to your credit card**.