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Precautions related to installation:
1. After the installment payment is approved, the bank will give your credit card a special installment amount. After reaching the amount, you can go to the CCB outlet to complete the installment transaction, transfer the money to the special consumption card, and then swipe the card at the designated merchant for consumption. It should be noted that this special amount exceeds the limit of your credit card itself and cannot be recycled.
2. The installment plan requires designated merchants to use it. The applicable merchants of CCB's phased plan are mainly consumer merchants such as department stores, building materials and homes, high-star hotels and high-end restaurants. , and suitable for large durable consumer goods, weddings, childcare, settlement (rental, property, heating costs, etc. ), pay taxes (vehicle purchase tax, etc. ), health and other consumption. If it is used in this kind of merchants, but it can't be brushed out, it is recommended to contact the local CCB to ask why.
3. After the installment is approved, the bank will be notified by SMS when the quota is adjusted. You can note that after receiving the text message, you can take your credit card to CCB outlets to complete the installment transaction of your credit card, and at the same time get a special card for installment consumption. Within 2 working days after the credit card is swiped, the bank can transfer the funds to the special card for installment, which can be swiped at the designated merchants for consumption.
4. installment payment is a installment payment service for customers with good credit record, stable professional income and normal consumption behavior. The bank grants a special installment pre-credit line in advance to meet the daily demand for large-scale consumer credit, and customers can spend it at designated merchants after successful handling.
5. This business covers large-scale durable goods consumption, wedding, child care, settlement, tax payment, health and other diversified consumption fields. Generally, you can choose 6/12/18/24/36/48/66 (monthly) installment payment, and pay the handling fee for the corresponding number of installments. In fact, it is a consumer installment loan business with reasonable interest, which is more suitable for people who need funds.
Precautions for credit cards:
Credit card transactions, as long as the full repayment before the due date, there is no interest. If the bill is not fully paid off, the bank will charge five ten thousandths of interest every day from the trading day until it is paid off. In other words, the debt of 654.38 million yuan is 50 yuan, so it is suggested to repay it as soon as possible.
Customers can misappropriate this money anytime and anywhere. What you said is that interest comes first, and most mortgage loans are made by CCB Express. After the banking system comprehensively evaluates the customer's contribution to the bank, the repayment method of fast loan is to borrow first and then pay back. The repayment method you mentioned is within the credit line.
After receiving your credit card application, the bank will bring your information into the formula to calculate the score and determine whether it is enough to approve the card. If it can approve cards, it will also determine your quota according to the score.
Every bank has this formula and standard, which is different and confidential. If the application for quick loan of CCB is successful, half of the quota will be transferred to the relevant bank card, and the other half will be spent by credit card.