Yuexiang installment card holders can withdraw the installment amount through self-service channels or customer service hotline. The installment amount and the number of installments are determined at the time of withdrawal, and the installment amount is applied to the credit line account in the form of overpayment.

After the cardholder withdraws by installment, the installment amount of the credit line account exists in the form of overpayment, and the installment principal and installment fee are amortized on the first account day after withdrawal. Overpayment in the credit line account will offset the installment principal and installment fee of the bill in real time.

First, enjoy the installment card by post.

Yuexiang installment card is a special installment payment service launched by Postal Savings Bank. It is issued to high-quality customers and gives customers a large amount of independent installment quota. When customers consume, they can use it in stages. With the installment card, you can use it in our merchants. Repayment by installment can alleviate the financial pressure and meet the large consumption needs of customers in car purchase, home improvement, education, wedding and tourism.

Second, the product features

1. Expressway: the maximum credit is 500,000 yuan;

2. Long term: up to 5 years, which can be used by stages.

3. Convenient application: no mortgage and no guarantee;

4. Widely used: car purchase, home improvement, education, travel, wedding, etc. Can be used;

5. Excellent rate: During the period from 202 1 year 1 month 1 year to 202 1 year/February 3 1 year, banks launched time-limited preferential activities and enjoyed installment fees for installment cards. Customers who enjoy installment payment during the activity can enjoy a 40% discount on the installment fee rate, that is, the installment fee rate is 0.3%. After the installment rate according to the standard pricing.

3. What are the characteristics of "enjoyment by stages"?

1. Enjoy installment is a credit product provided by Postal Savings Bank for customers with good credit records, stable professional income and normal consumption behavior. The minimum installment amount is 65,438+0,000, and the maximum is 500,000. The installment amount is one-time and non-recoverable. The minimum staging period is 12 and the maximum is 60; The handling fee rate is 0.5%/ month, which is charged monthly.

2. To apply for installment, you need to apply for the installment card of the Postal Savings Bank. This card only supports consumption at the designated merchants of the Bank, and cannot be used for cash withdrawal, transfer or electronic channel consumption, personal investment and wealth management (including but not limited to stocks and futures), operating capital turnover, real estate and other purposes.