How to use the credit line?

1. Set the initial amount of the loan installment bill as 1500 yuan or 3000 yuan, the number of installments as 12 or 24, and the validity period is 90 days.

2. After signing the contract, within the validity period, if the customer's single consumption amount is greater than or equal to the initial amount, the bill will be automatically converted into installment repayment according to the previously set number of installments.

3. After the installment is successful, repay the loan on schedule according to the installment number and handling fee.

1. It is characterized by quick and convenient handling, no need to prepare complicated materials, and wide application range, covering all aspects of life. The repayment period is as long as 24 months and the monthly handling fee is only 0.72%. Exclusive credit line is a non-circulating separate credit line added under the designated card in addition to the original credit line, which does not participate in or affect the original credit lines of all credit cards under the cardholder's name, and the maximum is 150000. This limit is valid for 90 days from the date of successful application.

2. Non-recovery of credit line means that the used credit line will not be automatically recovered due to repayment, return, cancellation of installment and other reasons. Applicable card types Bank of Communications credit card types, except official card, quasi-credit card, installment card, supplementary card and other card types. Scope of use: customers can use credit lines in most merchants who spend their daily lives, such as household appliances, high-end department stores, watches and jewellery, home decoration, furniture purchase, high-end banquets, travel and vacation, wedding photography, further training and education courses, etc., covering all aspects of life, but businesses such as real estate, finance, securities, lottery tickets, hospitals, tax payment and government services cannot use credit lines by stages. Merchant types that are not allowed to use credit lines for transactions will be updated regularly on the Bank of Communications credit card website.

Using this process

(1) Customers who have signed up to enjoy the credit line can use it in UnionPay unlimited merchants within 90 days. If the single batch consumption amount is greater than or equal to the initial transaction amount, it will be automatically converted into an installment plan according to the number of periods set by the cardholder. The initial transaction amount (65,438 yuan+0,500 yuan or 3,000 yuan) and the number of installments (65,438+02 or 24) are determined according to the customer's wishes.

(2) After the installment is successful, repay the loan on schedule (including the principal and handling fee of each installment after the loan installment).

Operating environment: vivox 9 Android 7.16.11enjoy loan 12.6.0.