China Merchants Bank, how much can be swiped in installments

Hello! 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 or supplementary cards cannot apply for it temporarily): If the merchant you shop at is not a special merchant of our bank, you can apply for bill installment after consumption. Statement Instalment is a new type of financial management feature launched by our credit card, which can help you repay the amount spent in the bill in monthly instalments.

Click "Credit Management" - "Bill Installment" to inquire.

Generally speaking, if you consume at the merchant (such as Gome, Suning), you can choose the installment payment method with a minimum of 1500, and you can buy products directly in installments on the online website of China Merchants Bank. After using it for the first time, you will know what to do with it. It's simple.

Installments take up a fixed amount of your available credit equal to the total amount of the installment, but you only need to repay it in one installment, and each subsequent installment releases the credit. As long as you still have available quota, you can spend with your card, and you can spend as much as you have with your card as much as you have available quota;

There is only a handling fee for installments, and there is no interest;

The instalment fee is paid in a lump sum at the time of the first instalment;

Early settlement is possible, but the handling fee charged will not be refunded.

Hello, China Merchants Bank credit card bill installment can be divided into up to 36 installments. To check the method, open the account life - my - limit - bill installment, and then you can choose the number of installments you want to share. It is recommended not to divide it into too long, too long is not appropriate, just divide it into 3-6 periods. As shown in Fig.

CMB credit card can continue to be used during the installment period, but the card cannot exceed the available limit.

Credit Card Limit:

The credit card limit, also known as the credit card limit, refers to the maximum amount that can be used by the credit card, which includes the credit card limit (that is, the maximum limit that the credit card can be overdrawn) and the amount deposited into the credit card.

The amount of any credit card is based on the effective income and asset collateral value provided by the individual during the application process. The credit limit of a credit card is positively correlated with the applicant's income and collateral, that is, the higher the income and collateral, the higher the amount obtained. Therefore, the applicant must provide proof of income and a statement of asset security.

Asset collateral includes fixed assets such as real estate and automobiles, as well as current assets such as savings and bonds.

Hello, installment payment will occupy your fixed available credit equivalent to the total amount of the installment product, but the repayment only needs to be repaid in one installment, and each subsequent repayment will release the credit in one installment. As long as you still have available quota, you can spend with your card, and you can spend as much as you have with your card as much as you have available quota;

If you have any other questions, please visit the homepage of China Merchants Bank.

You can swipe up to 3000, and the installment amount occupies the credit limit of the card, and a part of the amount will be automatically restored for each repayment period.

China Merchants Bank credit card installment, the amount of the installment will be temporarily used the card limit, 2000 for the installment, then the remaining amount is only 3000.

It can be divided into up to 36 installments.

China Merchants Bank in 3 installments; 6 installments; 12 installments; A one-time processing fee will be charged.

Handling fee per installment = total installment amount Handling fee rate for each installment. The total principal amount of the instalment is amortized evenly on a monthly basis, and the remainder is included in the last instalment. The instalment amount and handling fee of each instalment will be credited at the same time.

The statement date of China Merchants Bank Credit Card is the day of each month and is changed every six months.

If the bill installment is handled through China Merchants Bank, and there is a handling fee for the bill installment repayment, our bank will provide the cardholder with personalized options for 2 installments, 3 installments, 6 installments, 10 installments, 12 installments, 18 installments, 24 installments and 36 installments, and the handling fee rate for a single installment is 0%, and the actual rate and number of installments are subject to the system evaluation results of the application order.

China Merchants Bank credit card is more than or equal to 300 yuan or more than or equal to 100 US dollars.

To apply for a transaction that has not been billed, the cardholder can apply for a statement instalment between the date of the transaction and 19:30 on the statement date of the corresponding bill. For RMB account transactions, if the merchant fails to settle with the Bank within 2 days after the application, the business application will be automatically cancelled.

For USD account transactions, if the merchant does not settle with the Bank within 30 days after the application, the business application will be automatically cancelled. For cardholders whose accounts are set up for automatic repayment, the application deadline is 17:00 on the due date of repayment for issued bills.

China Merchants Bank Credit Card Application Bill Installment:

1. Maximum amount: subject to the results of system evaluation.

2. Minimum amount: RMB 300, USD 100.

3. Multiple applications can be made within the time limit, and the total amount of cumulative installment is not greater than the maximum installment amount, which is subject to the system evaluation results.

There are several ways to installment of goods above 1,500 yuan of China Merchants Bank:

1) Select installment products in the online ** of China Merchants Bank credit card and make online installment payment. In addition to the ***, no additional installment handling fee or shipping fee will be charged in this way.

2) Through the merchants who have an installment agreement with China Merchants Bank, they can directly swipe the "installment payment", generally no handling fee will be charged in 3 installments, about 2% will be charged in 6 installments, and about 4% will be charged in 12 installments, and a one-time deduction will be made in the first installment. Then take 12 installments as an example, the first installment payment = total ** 12 installments + total ** 4%, and the next 11 consecutive installments only need to pay the total ** 12 installments per period. This method should be the one that requires the least amount of additional cost.

3) Of course, if the merchant who purchased the goods is not a merchant with an installment agreement with China Merchants Bank, but directly swiped the card to make a consumption and paid 1,500 yuan at one time, then you can also try the new "bill installment" launched by China Merchants Bank, that is, about 90% of the consumption amount is divided into 12 installments to pay, and the one-time handling fee is borne respectively, and the consumption part can be repaid in installments, and there is no other cost except for the handling fee. This is the second money-saving installment payment. However, there are some requirements for this method to be realized, such as not being a young card, holding the card for at least 3 months without a bad repayment record, and repaying in full in the first installment before application.

4) If neither of the above two can be used, then the only way to do it is to make a "minimum repayment" in each consecutive installment, and pay revolving interest in each period, which is relatively inferior to the above two discounts.

Hello, about your question :

1. It depends on which city you are, some cities can have 24 phases, some cities can have up to 12 phases, you can open and select your city, and then click Unicom to query;

2. Same as 1, because different merchants can choose the number of installment periods are also different.

If you still have questions, you can add QQ customer service 4008205555 for detailed consultation.

First, the installment handling fee is fixed, generally about 7/1000 of the total amount, that is to say, 5000 installments, and about 35 yuan per month.

Second, the installment is divided into months, with the lowest handling fee in 3 installments, about 105 yuan, and the highest handling fee in 24 installments, about 800 yuan.

Third, if you have the most money, it is necessary to consider your ability to repay, if you have a lot of money, then pay it in 3 installments, pay it off in three months, the handling fee is relatively small, if you are tight, then divide it into several more installments, so that even if you pay back a little more, there will be no pressure.

Hello, it depends on your personal ability to repay. You can turn it on.

On the left side of the page, there is a bill installment calculator, which can calculate the repayment amount and handling fee for each installment, and you can calculate it yourself and then choose the number of installments that suit you.

The best deal? The installment rates are fixed, so naturally the fewer installments, the less the installment fee.