China Construction Bank cannot withdraw cash by installments. Credit card consumption can only be carried out by offline cooperative merchants, which is mainly suitable for large-scale durable consumer goods, weddings, childcare, and settlement (rental, property, heating costs, etc.). ), pay taxes (vehicle purchase tax, etc. ), health and other purposes. Consumer merchants such as department stores, building materials and homes, high-star hotels and high-end restaurants can use CCB staging.

1. What is the installment rate and service life?

For installment business, you can freely choose 6, 12, 18, 24, 36, 48 and 60 installments (months) for installment payment. The handling fee is charged on a monthly basis, with a monthly handling fee of 0.5%. Before March 3, 20 19 (subject to the date of submitting the application for installment of longka credit card), we will handle the installment business of longka credit card in Liaoning (except Dalian), Guangxi, Shandong (except Qingdao), Hubei, Guizhou, Gansu, Jiangsu, Shenzhen, Hebei, Shanghai and Jilin. Customers in Chongqing, Qingdao, Shaanxi, Fujian (except Xiamen) and Beijing can enjoy a 20% discount on the handling fee rate. After the discount, the monthly handling fee rate is only 0.4%. The handling fee payable by the cardholder in each installment = actual installment payment amount x monthly handling fee rate. According to the number of transaction periods, the handling fee will be recorded monthly from the first billing date after the transaction is completed, and will be fully included in the minimum repayment amount of the credit card. If the amount due in the current period listed in the bill is fully repaid before the due repayment date, you can enjoy interest-free treatment, and interest is not included.

Two. Application process

1. Download the latest version of the mobile phone (both Android and Apple are available), log in to the China Construction Bank APP, and click the credit card in the navigation bar.

2. In credit card management, you can find the button option of installment payment.

3. After clicking Enter, you can generally see your pre-approval amount, and then click Apply to enter the data supplement stage.

4. According to the steps and operation tips, supplement relevant information, and finally submit the application for audit completion.

5. There will usually be a return visit.

6. After the application is successful, you will be sent a special card for installment, and you will receive a loan message, and then this installment will be dedicated.

The card can be swiped to the designated merchant type for consumption.

Because it is a special card, it can only be charged within the merchant type and consumption period stipulated by CCB. In fact, as long as it is within the specified time, it can be consumed by merchants of the specified consumption type (you can brush out your own organic products).

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