Extended data:
Credit card merchant staging:
Credit card merchant staging is also called shopping mall staging (a shopping mall consists of many merchants). Also known as pos staging. That is, after the cardholder shops in the shopping mall that has a cooperative relationship with the issuing bank, before the checkout, the cardholder indicates to the sales staff that the consumption needs to be paid in installments, and after selecting the number of installments, the sales staff swipes the card on the special pos machine. After the installment, the cardholder shall pay the amount on the statement on schedule until the installment amount is fully paid off.
Application process:
Apply to the salesperson or telephone when checking out the consumption.
The amount of installment payment in the mall is related to your card holding time and credit limit. Generally speaking, there is a certain conversion relationship between the installment amount of credit cards issued by different banks and the actual credit limit. For example, the installment amount of China Merchants Bank credit card can be about 5 times of the credit limit. In other words, if your credit line is 1000 yuan, then you can buy 50,000 yuan of goods in installments at most. As for the specific amount of installment payment, you need to consult the credit card center of the issuing bank.
Credit card bill installment:
Credit card bill installment payment is a kind of credit card installment payment, which means that the credit card holder asks the credit card center to return the consumption amount to the bank in installments after swiping the card. Installment payment of credit card bill is the simplest installment payment method. You only need to call the bank credit card center or log in to personal online banking to apply for installment payment during the period from credit card consumption to due repayment date. Under normal circumstances, as long as there is no bad personal credit record, you can get approval.
Application process:
Generally, you can accept the bill installment by calling the customer service center of the issuing bank or telephone banking. ICBC cardholders can handle installment payment at ICBC outlets, ICBC online banking, telephone banking and mobile banking, and China Merchants Bank can handle it at the bank's online banking. Relevant persons of CCB reminded cardholders that although all banks have introduced bill installment payment, it does not mean that every cardholder can pay by credit card installment.
General banks should evaluate the credit status of cardholders according to their credit limit and credit records of credit card consumption. Only after the assessment is passed can the cardholder make installment payment smoothly; If the evaluation result is not satisfactory, the bank may reject the cardholder's application for installment payment, or fail to give the cardholder the amount of installment payment he wants. Cardholders can fully consider their own financial situation and apply for installment by telephone.