Under any of the following circumstances, China Postal Savings Bank can voluntarily terminate the installment payment of its account without notifying the cardholder, and the remaining undistributed principal and service fee will be automatically included in the cardholder's current bill at the end of the termination date, and the full amount will be included in the minimum repayment amount, and will not be distributed on schedule on the subsequent billing date.
(1) The cardholder's credit card account or card is frozen, payment is stopped, the account is cancelled and the card is cancelled.
(2) The cardholder's credit card account is overdue for three consecutive periods or more.
(3) According to relevant risk policies, China Postal Savings Bank decided that the credit status of the cardholder had deteriorated and the account was no longer suitable for installment payment.
The credit card installment business of China Postal Savings Bank does not accept the cardholder's request to suspend installment payment. If the cardholder wants to cancel the card before the installment payment is terminated, he must pay off the undistributed principal and handling fee in advance, and then apply for account cancellation.
China Postal Savings Bank's credit card installment payment has not ended and the cardholder's credit card is valid:
(1) The credit card will be renewed normally after its expiration, installment payment will not be affected, and the credit card will be allocated normally;
(2) If the cardholder fails to change the card normally due to the cardholder's wishes or the conditions for card replacement, the installment payment agreement between the cardholder and China Postal Savings Bank still exists, and the amount to be amortized will be included in the repayment of this installment on the monthly billing date until the distribution is completed.