银行信用卡账单分期付款业务条款及细则.doc

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1、银行信用卡账单分期付款业务条款及细则银行信用卡账单分期付款业务条款及细则银行信用卡账单分期付款业务条款及细则第一章 总则第一条 若持卡人申请我行信用卡账单分期付款业务，即表示其已阅读并同意遵守本条款及细则。第二章 业务条款及细则第二条 凡持有银行所发行的信用卡的主卡持卡人，在本期账单日后第二天至本期账单到期还款日前两个自然日之前（不含到期还款日当天），均可致电银行信用卡客服热线95511-2、一账通网站点或银行银行申请账单分期付款。第三条 申请银行信用卡账单分期付款业务的总金额为：账单分期申请金额=当期应还款金额当期最低还款金额，但账单分期申请金额不得高于200000元。第四条 持卡人申请银行

2、信用卡账单分期付款业务，可自由选择分2期至24期不等的期数。我行账单分期业务收费标准依据持卡人实际用卡情况进行调整，具体手续费率表如下:分期期数最低每期手续费率最高每期手续费率2期0.70%0.92%3期0.70%0.92%4期0.68%0.89%5期0.68%0.89%6期0.68%0.89%7期0.66%0.86%8期0.66%0.86%9期0.66%0.86%10期0.64%0.84%11期0.64%0.84%12期0.64%0.84%18期0.62%0.81%24期0.60%0.78%示例：您的本期账单日为8月5日，到期还款日为8月23日，则申请时间为8月6日至8月21日。账单总金额为

3、10,000元，最低还款额为500元，8月份账单您只要偿还500元，剩余9,500元就可以申请账单分期付款，在9月份账单才开始偿还分期金额，具体每期的手续费率（示例中为最低每期手续费率，实际费率因持卡人实际用卡情况略有差异）和每期应偿还金额如下表：分期总金额分期期数每期手续费率首期应还金额剩余每期应还金额9,500元2期0.70%4,816.504,816.503期0.70%3,233.183,233.164期0.68%2,439.602,439.605期0.68%1,964.601,964.606期0.68%1,647.951,647.937期0.66%1,419.861,419.848期0

4、.66%1,250.201,250.209期0.66%1,118.301,118.2510期0.64%1,010.801,010.8011期0.64%924.50924.4312期0.64%852.54852.4618期0.62%586.81586.6724期0.60%452.91452.83首期应还金额=分期总金额分期期数（余数记入首期应还金额）+分期总金额每期手续费率剩余每期应还金额=分期总金额分期期数+分期总金额每期手续费率第五条 持卡人成功申请账单分期后，不能对已申请的分期期数、金额进行更改；持卡人成功申请账单分期付款业务3个月内，不能进行第二次申请。第六条 持卡人已成功办理账单分期后

5、，可拨打银行信用卡客服热线95511-2，申请提前终止账单分期，但必须一次性支付分期总手续费（已入账手续费不退还）及剩余各期应还本金。第七条 持卡人信用卡已至有效期并续卡，账单分期不能因此而终止；持卡人在分期付款期间，如发生信用卡注销、冻结、缴款延滞等情况，我行有权要求持卡人一次性偿还分期余额及手续费。第八条 银行信用卡账单分期付款业务只对人民币交易进行分期付款，暂不开展外币分期付款业务。第九条 账单分期付款业务的每期入账应还本金和手续费不参与积分计划。第十条 在法律允许范围内，银行保留任何时间及在其认为适当情况下修改本条款及细则的权利，并通过银行认为合适的任何方式将修改通知持卡人。第三章 附

6、则第十一条 以上条款及细则自8月15日起生效。结束语！祝大家学到有用的知识，提升自己的能力，实现自己的梦想，踏踏实实干好每一件事，为美好的明天而努力！167uvc53b02rd57d06w8k2,ecvmxmmijfta15c7in6h3h8kes1eyuu048t2t2agfcvx.ae2orwlowh8x4se05wyho4feyxmqa3ohhctde70o8qqec,pp2plrd,66.lu3ej1zcy1lljc.92p9yarztq0aafvf4zwwnh1m6snoq9qor0pcz2t59altpdbri1kbtbgtpd56g393rh7ocoq4nkb98kljq3mek

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