It is aimed at users with good credit and stable income. After applying for installment, you can choose 6/12/18/24/36/48/60 (monthly) installment payment, and you need to pay the handling fee for the corresponding number of installments.
CCB's installment pass can be used for child care, buying large durable goods, weddings, etc. , as long as it is used for the purposes specified by CCB. If it is used for other than the specified purpose, the bank will bear the consequences of violation.
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The installment plan of CCB is a special installment quota provided by CCB users. After the bank has passed the examination, it will issue a special installment plan card, then spend it at the designated merchants and repay it monthly within the agreed time limit. China Construction Bank pays certain business expenses according to the agreement with the applicant. The fixed credit limit of this card is zero, and only installment credit limit is granted.
There are certain restrictions on the use of installment cards, which cannot be used for cash withdrawal, transfer, online payment, withholding and payment, etc. Can only be used to buy large amounts of durable consumer goods, weddings, childcare, settlement, tax payment, health and so on. The monthly handling fee is 0.5% of the total installment.
Step of installment application: The user submits personal valid identity certificate and other materials at CCB outlets. After being approved by the bank, the amount will be distributed to the installment general debit card opened by the applicant at CCB, and the user can use it for consumption after receiving the card.
CCB must return it on time after the installment, and there can be no overdue situation. After the deadline, it will be uploaded to the credit information, which will lead to the deterioration of personal credit information and affect the subsequent handling of various loans. Moreover, the arrears will be retained in the credit report for five years after being returned, and will automatically disappear after five years.