How to pay by installment in ICBC?

1, WeChat processing (Apple11IOS15.0.2 WeChat version 10.2.36): Add ICBC's credit card WeChat service number and click My Service to process it.

2. Telephone handling: Call ICBC Credit Card Issuing Center 95508 and press 1#0 to apply manually.

3. Online banking processing: log in to ICBC credit card issuing official website (/ICBC/default.htm IE browser), enter the user name and password, and log in to online banking for processing.

4. SMS processing: send the last four digits of CZF+ card number (such as CZF8888) to 95508 to inquire about the installment amount of the bill; Send the last four digits of SZF+ card number+period number (such as SZF8888 12) to 95508 for staging.

Matters needing attention

1. The total amount of installment payment and handling fee cannot exceed the available amount of the credit card account. The amount deducted in each period is regarded as the consumption of the current month and enjoys an interest-free repayment period.

2. The application for installment payment through 95588 shall be made within three working days from the day after the consumer transaction is recorded to the due repayment date of the consumer transaction.

3. The day of installment payment is the first deduction date, and the deduction dates of subsequent installments are the same as the first deduction date. If the number of days in the subsequent repayment month is less than the first deduction date, the deduction date of that month is the last day of that month.

4. Customers who have paid by installment can apply for extending the unpaid amount, but the same installment business can only be extended once, and the handling fee rate is the same as the installment fee rate.

5. Apply for prepayment without prepayment fee.

How to charge the installment fee of ICBC?

Handling fee per installment = principal payable per installment * handling fee rate per installment.

If ICBC is divided into stages, the handling fee rate will be different according to the number of stages and the different collection methods. The benchmark costs are as follows:

The third installment fee 1.65%, the sixth installment fee 3.6%, the ninth installment fee 5.4%, the first installment fee 12 7.2%, the first installment fee1.7%, and the 24th installment fee 15.6%. The specific installment rate is subject to the results displayed on the user application page.