Credit card payment by installment is refers to the cardholder to use credit card to large consumption, by the issuing bank to merchants paid the cardholder purchased goods (or service) of spending money, and according to the card holders to apply for, to spend money in installment by the cardholder credit card account to deduct, business card holder shall be carried out in accordance with the monthly billing amount repaid
Most Banks have a credit card installment business, installment according to different situations can be divided into shopping mall (POS) in the form of stage, through the network, mail and installment "installment" mail order and bill.
Mall in installment
Also known as the POS in installment, refers to the cardholder to shopping places, such as staging "shopping mall".In the checkout line, take the market support installment credit card to payment by installment.The cashier will be in accordance with the requirements for the cardholder's periods (such as stage 3, 6, 12, 24) a few stores to support, in special the POS machine.
Note: in the shopping mall in installment, the need for the cardholder authentication, so remember to take id card.Mall stage generally 3 free fee.Stage 6 and 12 different rates Banks charge standard.Installment of the goods as long as it is the normal store sales of goods, generally can be staging.And in many cases, the cardholder can also be multiple bundling together to checkout, and staging.
Mail order stage
Refers to the cardholder received installment mail-order catalogues of the issuing bank to send a manual (or bank online mall) in stages, make a selection from the qualified goods.And then order through online stage store, make a phone call or fax mail order in installment application methods such as staging the mail to the bank.Mail order stage generally no matter how many are not applicable to receive poundage.But due to the order cycle is long (a lot of things will more than 15 working days to get goods) and return is relatively complicated, so compare with before buying more.
Bill in installment
This is the most convenient way to a stage, each hairpin bank basic to be able to support such installments, and simple application.User as long as after brush calorie of consumption and the monthly bills sent before by phone, to the issuing bank to apply for installment.Note, however, the Banks will require some exceptions, such as with opportunistic card cannot be successful in installment.So before staging, must read manual by installments.
Mall in installment
Each bank for different mall or furniture store, different periods will be different activities, such as large and medium-sized, suning and other large-scale electric city with several Banks to carry out promotional activities, stage 6, 12, if the customer use designated bank credit card, can enjoy preferential policies without charge.
Reimbursement means credit card installment "teaser" upgrade
For credit card payment by installment, most credit card users will not be unfamiliar.In the past, the credit card payment by installment mainly include bill stage and stage two single consumption, Banks usually installment according to the number of different, the corresponding fee.Both bills in installment and single consumption stage, its premise is to generate consumer behavior, and then the bank credit loans for amortization of the setting.
Credit card industry
The way includes: Banks, ATM, the bank on the net, the counter transfer and telephone banking payment way.Resume credit CARDS immediately after payment, the payment is in commonly after processing, the system can be booked.
Micro silver pos mobile phone
Micro silver pos mobile phone is a personal payment terminals, mobile financial system can be used to direct credit card payments, also can undertake transfer business.Instant to account!
Transfer/remittance payments
Mainly divided into: total and long distance an inter-bank in two ways.Whether by what way to transfer or remittance, remittance will charge a fee, and payment to the account of the time and convenience degree than counterparts in reimbursement payment, online payment, such as convenience store payment way.
2015年6月25日星期四
2015年6月16日星期二
Two successful application to the credit card tricks
Banks in credit card just to promote the fight for limited the expansion of the credit card market in succession at no cost efficiency while animating the whole credit card business development but also contributed to the credit card cardholder's good and bad are intermingled caused a lot of sleep card LaoLai card for bank bad debts planted hidden danger now as the bank's risk consciousness to strengthen and improve the examination and approval of credit card risk control has been more and more strict, especially for the first time to apply for a credit card or application for high credit card people a lot of people have received the bank rejected reply so how to ensure that your application would be able to get approval?
Must first fully prepared various asset proof in general if you already have one or more credit CARDS and payment record is good so don't normally need to provide income or assets proved that only when the application will have the credit card copy can be sent along with the application form even if you have a credit card can not apply for bank card also because Banks are can be checked by the central bank's personal credit registry system to your credit in good condition of consumer credit and payment credit is a bank's value
If is this your first time to apply for a credit card because you have no bank credit consumption mainly depends on your income assets condition to decide whether to give you the size of the batch of CARDS and credit in general if is this your first time to apply for credit CARDS will not be too much unless you can provide sufficient assets certificate such as income building property right certificate of property title certificate mortgage buyers car bank deposit certificate or proof of securities, of course, in addition to the assets that other certificate to prove your personal ability will also help you gain a high limit credit CARDS such as qualifications certificate of technical level and other qualification certificates
Second fill in application form in general application form on the following aspects to evaluate your credit score will affect bank credit score, the higher the probability of taking credit card approval, the higher the line is whether there is a fixed number of the city has a fixed telephone said you live in the city site stability will increase the credit evaluation score of bank to you are married or not married than single whether higher score for this city registered permanent residence registered permanent residence to be higher than the score of nonlocal registered permanent residence in the city have housing have housing than no housing scored higher self living than live with their parents score higher education degree education degree, the higher the score the more stable nature of working unit work, the more prominent the higher the score, such as large state-owned enterprises in government institutions and the world strong enterprise high scores are not well-known private enterprises and foreign companies have lower scores of small post office, the higher the score, such as civil service company management score is higher than the ordinary staff
Must first fully prepared various asset proof in general if you already have one or more credit CARDS and payment record is good so don't normally need to provide income or assets proved that only when the application will have the credit card copy can be sent along with the application form even if you have a credit card can not apply for bank card also because Banks are can be checked by the central bank's personal credit registry system to your credit in good condition of consumer credit and payment credit is a bank's value
If is this your first time to apply for a credit card because you have no bank credit consumption mainly depends on your income assets condition to decide whether to give you the size of the batch of CARDS and credit in general if is this your first time to apply for credit CARDS will not be too much unless you can provide sufficient assets certificate such as income building property right certificate of property title certificate mortgage buyers car bank deposit certificate or proof of securities, of course, in addition to the assets that other certificate to prove your personal ability will also help you gain a high limit credit CARDS such as qualifications certificate of technical level and other qualification certificates
Second fill in application form in general application form on the following aspects to evaluate your credit score will affect bank credit score, the higher the probability of taking credit card approval, the higher the line is whether there is a fixed number of the city has a fixed telephone said you live in the city site stability will increase the credit evaluation score of bank to you are married or not married than single whether higher score for this city registered permanent residence registered permanent residence to be higher than the score of nonlocal registered permanent residence in the city have housing have housing than no housing scored higher self living than live with their parents score higher education degree education degree, the higher the score the more stable nature of working unit work, the more prominent the higher the score, such as large state-owned enterprises in government institutions and the world strong enterprise high scores are not well-known private enterprises and foreign companies have lower scores of small post office, the higher the score, such as civil service company management score is higher than the ordinary staff
The credit card is dealt with and use of skills
Now my credit card is very simple, take your id card to a bank to deal with.Of course, if you can provide your property certificate, such as car certificates, certificate of property, etc., will you apply for credit card limit is much higher, and easy to deal with success.
Credit card use skills:
1, when away from home, don't bring mobile phone, PDA and other magnetic items and credit CARDS are put together, lest magnetization;Bank card between best it doesn't matter to put, prevent the mutual interference between magnetic stripe.Want to know, bank card has an easy "injured" magnetic stripe.
2, before going out, it is better to try out in advance whether you that long holiday card can work normally.Some CARDS due to have no use for a long time, when I went away to remember to use it, need to pay and brush card out, hard to avoid embarrassment.
3, in a short period of time don't madness, it is easy to be alert to the banking system as "stolen card" used, need to buy the best one-time buy neat, unified credit card.In addition, knowing he ever victorious, before going out for your best credit, so that when the time comes to natural and unrestrained overdraw a confronted with merchants to refusal of payment.
4, keep good deal slip.If the card transactions occur because of an inter-bank or trans-regional repeat the phenomenon such as deductions, should by the transaction slip contact card issuers;If, on the other hand, when ATM withdrawals, discarded slip and will also have an opportunity to bank card crimes.
5, brush calorie of consumption after received from bank statement should be checked with card, if you need audit shall be received through the customer service center within 15 days after the query.Because China's bank card center working group for credit query time have specific provision, the pupil once more than time limit, according to the practice, the issuing bank to accept special investigation and the right of recourse.
6, if there is going to abroad, should be to deal with international card a month earlier than usual.Because of its audit, make time to 12 working days, and will send the password days later.
7, good signature.International card in use outside the territory of China, with authorized signature to pay, without passwords or certificates, so you first thing after I receive my international card besides verification name correctly or not, should also be of the sign on the top of the international card magnetic stripe on the back of a bar codes, good words, the signature of the best, of course, is not easily imitated by others.
8, saving money into the card to see clearly.International credit card belongs to borrow write down card, to encourage the reimbursement after be being consumed first, so if foreign currency deposit to the international credit card first, there is no any interest on these foreign currency;And international debit card is first to save after spending, so to have less money in international debit card period of interest.
Credit card use skills:
1, when away from home, don't bring mobile phone, PDA and other magnetic items and credit CARDS are put together, lest magnetization;Bank card between best it doesn't matter to put, prevent the mutual interference between magnetic stripe.Want to know, bank card has an easy "injured" magnetic stripe.
2, before going out, it is better to try out in advance whether you that long holiday card can work normally.Some CARDS due to have no use for a long time, when I went away to remember to use it, need to pay and brush card out, hard to avoid embarrassment.
3, in a short period of time don't madness, it is easy to be alert to the banking system as "stolen card" used, need to buy the best one-time buy neat, unified credit card.In addition, knowing he ever victorious, before going out for your best credit, so that when the time comes to natural and unrestrained overdraw a confronted with merchants to refusal of payment.
4, keep good deal slip.If the card transactions occur because of an inter-bank or trans-regional repeat the phenomenon such as deductions, should by the transaction slip contact card issuers;If, on the other hand, when ATM withdrawals, discarded slip and will also have an opportunity to bank card crimes.
5, brush calorie of consumption after received from bank statement should be checked with card, if you need audit shall be received through the customer service center within 15 days after the query.Because China's bank card center working group for credit query time have specific provision, the pupil once more than time limit, according to the practice, the issuing bank to accept special investigation and the right of recourse.
6, if there is going to abroad, should be to deal with international card a month earlier than usual.Because of its audit, make time to 12 working days, and will send the password days later.
7, good signature.International card in use outside the territory of China, with authorized signature to pay, without passwords or certificates, so you first thing after I receive my international card besides verification name correctly or not, should also be of the sign on the top of the international card magnetic stripe on the back of a bar codes, good words, the signature of the best, of course, is not easily imitated by others.
8, saving money into the card to see clearly.International credit card belongs to borrow write down card, to encourage the reimbursement after be being consumed first, so if foreign currency deposit to the international credit card first, there is no any interest on these foreign currency;And international debit card is first to save after spending, so to have less money in international debit card period of interest.
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