交易分期申请渠道

ninketongguohuifengzhongguoshoujiyinxing、huifengzhongguoweixinfuwuhao、huifengxinyongkagerenwangshangyinxing、xinyongkafuwurexiandengqudaohuofasongduanxinshenqingjiaoyifenqiyewu。

交易分期申请资格及金额限制

shenqingrenbixuchiyouwoxingxinyongkagerenkazhuka，yongkajilulianghaoqiedangqianhaikuanwuyanzhi。fushukarenbunengshenqing。ciwai，zuizhongfenqishenqingshifoutongguo，yiwoxingzonghepingdingjieguoweizhun。

jiaoyifenqikeshenqingqishijineweirenminbi500yuan（han），danbijiaoyijinebunenggaoyuchikarenxinyongedu（bubaokuolinshixinyongedu）。chikarenshenqingxiaofeifenqidejiaoyizhinengangaibijiaoyidequanebanli，bukerenyixuanzefenqijine。buzhichiduiweichuzhangdandemoubijiaoyijinxingbufenjinedefenqi。

不可办理交易分期的交易

bufuhefalvfaguijijianguanguidingdexinyongkayongtudejiaoyi（baokuodanbuxianyufeirichangxiaofeilingyujiaoyi、fangdichan（hanchewei）touzikuanxiangdeng）budeshenqingfenqiyewu。chucizhiwai，chikarenhaibudejiuyixiajiaoyihekuanxiangshenqingbenxizesuoliezhifenqiyewu：

1. 现金提取；
2. 已办理本细则所列之分期业务的交易；
3. 占用临时信用额度的交易；
4. 发卡行根据信用卡条款和条件收取的利息及各项费用（如年费、利息、违约金等）；
5. 已申请用于购汇的人民币款项；
6. 预授权交易；以及
7. 发卡行不时合理规定的其它交易或款项。

交易分期申请时间限制

jiaoyifenqixuzaidanbixinyongkajiaoyi（ruweiduobijiaoyitongshijinxingzeweiqizhongzuijinyibijiaoyi）xiaofeidangrihouzhizuijinyiqizhangdanrideruzhangshidian（buhan）zhijiantichufenqishenqing。shenqingchenggonghou，budechexiao，budezaishenqingbiangenghaikuanqishu。

交易分期业务收费标准

jiaoyifenqifenqiqishukexuan3qi、6qi、10qi、12qi、18qihe24qi；zidongjiaoyifenqikexuanqishuwei6qi、12qi、24qi。shouxufeifeilvqujianwei0.4%-1.0%zhijian，jutifeilvyoubenxinggenjufenqideqishujichikarenzizhidengyinsuzuizhongqueding。

fenqimeiqiyinghaibenjin=fenqibenjinzonge÷fenqiqishu，meiqiyinghaibenjin（sishewurujingquedaofen）zhuyuejiruchikarenxinyongkazhanghu，yushujiruzuihouyiqi。fenqishouxufei=fenqibenjinzonge×shouxufeifeilv×qishu，fenqishouxufeisishewurujingquedaofen。meiqifenqishouxufeiweigaifenqiyewushengyudefenqishouxufeichuyigaibifenqiyewudeshengyudeqishu，meiqifenqishouxufeiquweihoujingquedaofen，zuihouyiqifenqishouxufeiweigaibifenqiyewudefenqishouxufeijianquzhiqianmeiqifenqishouxufeizonghehoudechaebufen。shouxufeiyijingshouqu，buyutuihai。

交易分期业务办理成功后如何进行还款

ninbanlifenqichenggonghou，fenqijinejiangcongfenqihouzuijinyiqizhangdanqilieruzhangdan，meiqishouxufeiyumeiqifenqijinetongshiruzhang，bingjiruzuidihaikuanezhong。rubanlichenggonghouchikarenweianshiquanbuchanghaidangqishengyuzhangdanjine，jiangshiweiweiquanehaikuan，zedangqizhangdanbuxiangshouxiaofeijiaoyidemianxihaikuanqidaiyu。

ruchikarenyuqiweichanghairenheweiqingchangzhaiwu（baokuochikarenweizaidaoqihaikuanrihuozhiqianqingchangdangqizuidihaikuaneqiezhizhixiayigezhangdanrirengranweizuoqingchang），huofashengfakaxinghelirendingdechikarenxinyongkazhanghubuzaishihejinxingfenqiyewudeqitaqingxing，fakaxingyouquanlijitiqianzhongzhichikarenzhengzaijinxingdefenqiyewu。fenqiyewuyijingfakaxingzhongzhi，chikarenyinglijixiangfakaxingyicixingchangfufenqiyewuquanbushengyubenjinjine，bingzhifuquanbufenqiyewushouxufei（baokuoyijingdaoqideheshengyuqishusuoduiyingdeshouxufei）。

交易分期能否申请提前清偿未偿还的分期款项

ruoninyaoduiyichenggongbanlidefenqiyewutiqianqingchangweichanghaidefenqikuanxiang，xuzhidianwoxingkefurexianrexianjinxingshenqing，shenqingtongguohouxuyicixingchanghaiquanbufenqiyewushengyubenjinjine，bingzhifuquanbufenqiyewushouxufei（baokuoyijingdaoqideheshengyuqishusuoduiyingdeshouxufei）。

交易分期申请成功后是否会影响我的信用额度

chikarenchenggongshenqingjiaoyifenqihou，fenqibenjinjinejiangquanejiruyiyongxinyongedu，binggenjuchikarenchanghaimeiqiyingfufenqibenjindengehuifu；fenqishouxufeijiangzaimeiqizhangdanriyimeiqiyingfufenqishouxufeidejinejiruyiyongxinyongedu，binggenjuchikarenchanghaimeiqiyingfufenqishouxufeidengehuifu。

卡片注销时是否需要结清分期付款

chikarenzaifenqifukuanshangweijieqingqianyaoqiuzhuxiaokapian，xuxiantiqianqingchangfenqiweihaiqiankuan，zaishenqingzhuxiao。