2. According to the official explanation, e-installment is the characteristic installment payment business of ICBC, and all credit card customers of ICBC can apply for it. After successful processing, the amount will be transferred to a special debit card, which can be used for credit card consumption. E installment books can be repaid in installments, which can ease the financial pressure and can be used for car purchase, renting, home improvement, wedding, education and so on.
Operating environment: Xiaomi11mui12.6.5, version 8.5.8 of China Merchants Bank Pocket Life APP.
1. What is the E-stage of China Merchants Bank?
E-installment is an exclusive installment repayment service provided by China Merchants Bank Credit Card Center for eligible cardholders to repay credit card consumption by installment and restore the available amount. The first application will establish an independent e-installment account for the cardholder to record the cardholder's e-installment account. According to the application scenario, e-installment can be divided into three types: e-installment (bill), e-installment (transaction) and e-installment, all of which can be used to repay credit card bills or transaction amount in installments.
Second, the consequences of e-installment of China Merchants Bank's credit card
1. The e-installment business of China Merchants Bank needs to pay a certain installment fee, which varies according to the number of installments;
2. The e-installment of China Merchants Bank Credit Card will directly occupy the credit line of the credit card, which is not independent. Once the e-installment is handled, the credit line of the credit card will be reduced accordingly;
3. The e-installment of China Merchants Bank's credit card is reflected by the bill of the credit card. If it is overdue, it will be directly recorded in the personal credit report as a credit card overdue repayment.
It should be noted that in the case of e-staging, the minimum consumption of users is required to reach 1 1,000 RMB before staging.
3.e Will the quota be restored after installment repayment?
1, bank e will resume after repayment in installments. However, this quota cannot be recovered. The system must re-evaluate the user and give a new quota after all the installment amounts of the user have been paid off before continuing to apply. Therefore, if the amount is not recovered after repayment, it can only show that the user can't apply for E installment with a high probability, but the repayment amount has already arrived.
2. The success of e-installment repayment depends on whether the quota is restored. Users can view repayment records.