1, bill installment: when using CCB credit card to installment the bill, it can be divided into 3 installments (0.75%), 6 installments (0.70%), 10 installment (0.65%), 12 installment (0.60%) and1.
2. Cash installment: When using CCB credit card, cash installment can be divided into 3 installments (0.8 1%), 6 installments (0.75%), 12 installments (0.75%), 18 installments (0.75%) and 24 installments (0.75%).
3. Consumption installment rate: when using the credit card of China Construction Bank for consumption installment, it can be divided into three periods (0.70%), six periods (0.60%), 10 (0.6%), 12 (0.60%) and 18 (0.05%).
China Construction Bank was established in June 1954+ 10/0/. The head office is located at No.25, Financial Street, Beijing. The main business areas of China Construction Bank include corporate banking, personal banking and treasury business. It has branches and subsidiaries in 29 countries and regions, and subsidiaries in many industries such as funds, leasing, trust, life insurance, property insurance, investment banking, futures and pension.
China Construction Bank has a broad customer base, maintains banking contacts with many large enterprise groups and leading enterprises in China's economic and strategic industries, and its marketing network covers major regions of the country. 20 16 On June 30th, the British Banker magazine published the ranking of 1000 big banks in the world, and China Construction Bank ranked second.
20 18 February, the "Top 500 World Brands of 20 18" compiled by the World Brand Laboratory was announced, and China Construction Bank ranked 203rd. July 20 19 was selected as the Fortune Global 500. The Belt and Road Initiative ranks 40th among the top enterprises in China 100. 20 19 12, China Construction Bank was selected as the brand of 20 19 China Brand Power Festival 100.
20 19 12 18, People's Daily released the China Brand Development Index 100 list, and China Construction Bank ranked 25th. 20201October 4th, 65438, won the evergreen award of Caijing 2020 "Sustainable Development Benefit Award". In March 2020, it was selected as one of the top 500 global brands in 2020 13.
After China Construction Bank was restructured into a state-controlled joint-stock commercial bank, its name was China Construction Bank Co., Ltd., referred to as China Construction Bank. China Construction Bank Co., Ltd. inherited the commercial banking business and related assets, liabilities and rights and interests of the former China Construction Bank.
China Construction Bank has a broad customer base, and maintains banking ties with many large enterprise groups and leading enterprises in China's economic and strategic industries. Its marketing network covers major regions of the country and has more than 65,438+03,600 branches.
After the establishment of China Construction Bank Co., Ltd., strategic investors will be introduced to further realize equity diversification and improve the corporate governance structure. At the same time, we will continue to comprehensively promote various management reforms, promote performance progress, and strive to turn China Construction Bank Co., Ltd. into a modern joint-stock commercial bank with sufficient capital, strict internal control, safe operation, good service and good benefits.
How much is the installment fee for the credit card bill of China Construction Bank?
The charging rules for installment fees of CCB's credit card bills are as follows:
1, the benchmark rate of bill installment is 0.75% for the third installment, 0.70% for the sixth installment, 0.65% for the 10 installment, 0.60% for the 12 installment, 0.60% for the 18 installment, and 0.62% for the 24th installment, which are charged on a monthly basis;
2. Monthly handling fee = monthly rate of total installment amount;
3. If the amount payable in the current period listed in the bill is fully repaid before the due repayment date, the principal repaid in installments in the current month can enjoy interest-free treatment and no interest is charged.
Extended data:
The credit card installment of CCB is divided into: bill installment, cash installment, car purchase installment and consumption installment, and different installment methods have different fees.
1. bill installment: the bill installment rate is 0.75% for 3 installments, 0.70% for 6 installments, 0.65% for 10 installment, 0.60% for 12 installment, 0.60% for 18 installment and 0.62% for 24 installments. Monthly handling fee = total installment amount and monthly rate.
2. Cash installment: the cash installment rate is 0.8 1% for three installments, 0.75% for six installments, 0.75% for 12 installment, 0.75% for 18 installment and 0.75% for 24 installments. Monthly handling fee = total installment amount and monthly rate. If the current payable amount listed in the bill is fully repaid before the due repayment date, the customer can enjoy the interest-free treatment of the installment principal payable in the current month.
3. installment of car purchase: the installment fee for car purchase can be charged at one time or in installments, which is reflected in the bill of the first month after the transaction. Cardholder handling fee = installment amount × cardholder handling fee rate. According to the different dealers or models selected by customers, the handling fee rate will be different. After successful processing, customers only need to fully repay the amount payable in the current period listed in the bill before the due repayment date, and the principal payable in installments in the current month can enjoy interest-free treatment.
4. Consumption installment: The fee rate for consumption installment is divided into 3 installments, 6 installments, 10 installment, 12 installment, 12 installment, 18 installment and 24 installment. Handling fee per period = handling fee rate corresponding to the amount of each period.
Tips: 1. The above quotation is the benchmark price of the head office. Please refer to our tips in actual operation.
2. If the amount payable in the current period listed in the bill is fully repaid before the due repayment date, the customer can enjoy the interest-free treatment of repaying the principal in installments in the current month.
3. If the customer has other installment needs, it is recommended that the customer call the hotline of China Construction Bank at 95533 and select "Credit Card Business" according to the voice prompt. "
Can CCB credit cards be repaid in installments?
CCB's credit card can be repaid in installments.
At present, CCB has six installment businesses: car purchase installment, decoration installment, merchant installment, consumption installment, bill installment and cash installment. The phases of car purchase and decoration refer to the phases of car purchase and house decoration, and the phases of merchants refer to the phased transactions between merchants cooperating with CCB. Cash installment is to withdraw cash by credit card and then repay it in installments. Consumption installment refers to applying to the bank for installment repayment before the bill date, and bill installment refers to applying to the bank for installment repayment after the bill is issued.
CCB credit card installment payment method is as follows:
First, CCB credit card SMS application installment. Use the mobile phone number reserved in CCB, edit the short message "last 4 digits of CCZZ# # amount # number of installments" and send it to the official telephone of CCB, and then you can apply for repayment by installments.
Operating environment:
Brand model: Xiaomi 12Pro
System version: Android11miui13.
Application version: v5.6.7.00 1
2. CCB credit card mobile banking by stages. Enter "Mobile Banking of China Construction Bank", click "Credit Card"-"Application for Bill Installment" in turn, and fill in according to the prompts.
Operating environment:
Brand model: Xiaomi 12Pro
System version: Android11miui13.
App version: v 13.2.0. 10
Three. Online installment of CCB credit cards. After logging in to CCB official website with Baidu browser, individual online banking users select credit card inquiry-Select-Inquire about issued bills-Apply for bill installment.
Four, CCB credit card telephone staging. Call the customer service phone of CCB Credit Card to apply by phone, and follow the prompts after entering.
The credit card of CCB can be divided into 24 periods at most. The credit card installment of CCB includes: bill installment, cash installment, car purchase installment and consumption installment. The installment fees of these four periods are different. The installment fees are as follows:
1. CCB credit card cash installment rate: 0.8 1% in the third installment, 0.75% in the sixth installment, 0.75% in the first installment, 0.75% in the first installment, and 0.75% in the 24th installment.
2. Installment rates of China Construction Bank's credit card bills: 0.75% for the 3rd installment, 0.70% for the 6th installment, 0.65% for the 1st installment, 0.60% for the 2nd installment, 0.60% for the 4th installment, and 0.62% for the 4th installment.
Third, the installment rate of CCB's credit card car purchase will depend on the car dealer and model you choose.
Four. The installment rate of credit card consumption of CCB: 0.70% for the third phase, 0.60% for the sixth phase, 0.6% for 10, 0.60% for 12, 0.60% for 18 and 0.60% for the 24th phase.
Basic information of credit card installment payment "bill installment" of CCB
1. Introduction of CCB credit card installment "bill installment" business
Bill installment refers to the period from the day after the billing date to the final repayment date when the cardholder applies to our bank to repay a certain amount of RMB consumption in installments (only once every 30 days). The minimum application amount is 500 yuan RMB, and the maximum application amount does not exceed 90% of the total RMB consumption in the bill (excluding cash withdrawal, installment payment and other transactions stipulated by the bank).
Second, CCB credit card installment "bill installment" business advantages
Convenient application-website, SMS and telephone can be handled at any time to know the winning result in real time.
Flexible periods -3, 6, 12, 18, 24, etc. are available for your choice.
Optional amount-up to 90% of the bill balance, and the application can be packaged at one time.
Easy repayment-the down payment principal and handling fee are included in next month's bill and enjoy a longer interest-free period.
Free consumption-you can apply for credit card consumption.
Three, CCB credit card installment "bill installment" application channels
1. WeChat application
Pay attention to WeChat official account of China Construction Bank, bind the credit card, and click Credit Card-Bill installment-click here to apply for installment.
2. SMS application
Edit the short message "Last 4 digits # Amount # Period of CCZZ#" with the mobile phone number reserved by our bank and send it to 95533.
3. Mobile banking applications
Enter "Mobile Banking of China Construction Bank", and click "Credit Card"-"Bill Installment Application" in turn.
Step 4 Apply online
For individual online banking users, please click Apply for Bill Installment and select "Credit Card Inquiry-Select-Inquire about Issued Bill-Apply for Bill Installment".
For registered users of credit card channel, please click Apply for bill installment and select "-Bill-RMB-Apply for bill installment".
5. Telephone application
Please call 400-820-0588.
If you need help, please call 400-820-0588 for manual service (please call 02 1-38690588 for non-400 service areas and 86-2 1-38690588 for overseas).
Four, CCB credit card installment "bill installment" fee collection standards
Note: monthly handling fee = the handling fee rate of the total installment amount, which will be charged on schedule on each billing date after installment.
The above is the benchmark reference price, and the bank has the right to fluctuate according to market conditions and customer qualifications, subject to the notice given by the customer when applying.
How does CCB credit card repay in installments?
Operating environment:
Brand model: Yijia 10Pro
System version: ColorOSV 12. 1
Application version: v5.6.7
CCB credit card installment payment method is as follows:
1. CCB credit card SMS installment application. Use the mobile phone number reserved in CCB, edit the short message "last 4 digits of CCZZ# # amount # number of installments" and send it to the official telephone of CCB, and then you can apply for repayment by installments.
2. CCB credit card mobile banking by stages. Enter "Mobile Banking of China Construction Bank", click "Credit Card"-"Application for Bill Installment" in turn, and fill in according to the prompts.
3. Online installment of CCB credit cards. After logging in to CCB official website, individual online banking users select Credit Card Inquiry-Select-Inquire about Issued Bills-Apply for Bill Installment.
4. CCB credit card telephone installment payment. Call the customer service phone of CCB Credit Card to apply by phone, and follow the prompts after entering.
CCB Credit Card is a credit card issued by China Construction Bank. The credit cards issued by China Construction Bank are all named "Longka", including: Longka Famous School Card, Longka Business Card and Longka Automobile Card.
knowledge
Annual fee-free policy: swipe your card for 3 times or 18 times (excluding special cards such as business cards and car cards) to avoid the annual fee for the following year.
Withdrawal fee: domestic: 5‰ of the transaction amount, with the lowest 2 yuan and the highest 50 yuan; Overseas: 3% of the transaction amount, with a minimum of $3.
Multi-account management: Bank * * * enjoys the same repayment independence of multiple CCB cards on the billing date.
Online payment: Alipay: it can be used after online registration, with a single payment and a one-day limit of 500 yuan.
Installment business: support interest-free installment for specific merchants (3, 6, 12). After a single consumption exceeds 1000 RMB, you can apply for installment by phone (3,6,0/2,0/8,24), and different handling fees will be generated for each installment according to the number of installments.
Billing date: There are multiple billing dates every month, and the cardholder can change it once a year within the validity period of the card.
Currency: RMB, RMB/USD, RMB/Euro.
interest
Interest-free repayment period: Interest-free repayment period refers to the interest-free period of consumer transactions enjoyed by cardholders who repay in full on time. The interest-free period is from the bank bookkeeping date to the repayment date, with a minimum of 20 days and a maximum of 50 days. Overdraft cash withdrawal transactions do not enjoy interest-free repayment period.
Tip:
If you don't repay in full before maturity, you won't enjoy the interest-free period. The Construction Bank will charge interest at a daily interest rate of 0.5 ‰ and compound interest monthly. The interest-bearing date is from the date of consumption to the date of repayment, and the interest-bearing principal is calculated according to the actual amount payable.
If the repayment is not made before the due repayment date or the repayment amount is lower than the minimum repayment amount, CCB will charge interest as required, and at the same time charge a late fee of 5% of the minimum repayment amount.
So much for the installment introduction of CCB's credit card bills.