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信用卡分期装修有哪些注意事项?_其他_设计456问答
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信用卡分期装修有哪些注意事项?

浏览:42次 | 提问时间: 07-24 09:13
信用卡分期付款有什么注意事项?怎么用信用卡分期购买东西?注意些什么?
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3个答案
summe 07-24 09:14

分期付款需指定装修公司招商银行信用卡目前推出了大额的包工包料装修分期,所有装修的款项几乎都可以涵盖在内。不过要想享受这项业务,则必须与指定装修公司签订协议,才可获得大额的装修金。这项装修分期业务并不占用持卡人的信用额度,相关款项会直接打入装修公司账户,而不经过持卡人账户。不过,同样分期,选择的商家不同,分期付款手续费率也是不同的。例如,在好美家分12期手续费率3.5%,分24期手续费率8%。而在百安居,12期手续费率为4.25%,24期为8.5%。建设银行同样推出了类似的产品,名为“龙卡安居分期”业务,此业务在不占用卡片本身信用额度的同时,放款金额最高可达20万元。虽然2家银行推出的都是家装分期付款业务,但申请手续略有不同,建行的持卡人可以带好信用卡、身份证、房产证、工作证明等文件到建行合作的家装商户直接申请,再由家装公司向建行提交有关材料。通过建行安居分期业务审核后,持卡人的信用卡中会增设一个特别额度,专门用于到签约的安居商户通过专用分期POS机具支付安居款项。而招行的申请方式则必须先经过卡中心审核,然后再与家装公司进行签约,在申请的顺序上略有不同,持卡人可以致电信用卡中心详细了解。分期家装前先比较价格由于目前银行提供家装分期付款业务时,都必须到指定的装修公司签订装修合同,而装修价格涵盖的内容较多,建议持卡人在签约前不妨先去装修市场摸一下行情,多比较几家同档次的装修公司,在服务内容相同的情况下,了解各家不同的价格。当然,持卡人也可以先去与准备签约的装修公司先谈好价格,随后再谈论分期付款的业务,看看中间会不会有差价。在家装分期付款后,另一个大家比较担心的问题是一旦家装过程中出现了工程质量问题,持卡人因为已经全额付款,可能将处于被动的地位。为解决这一问题,建行的持卡人可以根据家装进度或商户相关规定分次使用所获得的龙卡信用卡安居分期付款额度,累计使用总金额不超过审批通过金额。一旦装修过程出现问题,要退货、换货时,持卡人也有筹码在手。

我已经忘了爱你的理由 07-24 09:22

普通分期付款也可用于家装其实对于大部分的持卡人而言,若是在装修过程中,不需要对人工费进行分期付款的话,没有必要申请家装专项分期,这样可以节省不少申请时间。目前,大部分银行都设有消费分期付款项目,在不少专业的大型装修超市,信用卡中心还会不定时的举行分期付款的优惠活动,除了适当减免分期手续费外,还可以获得金额不等的赠品,家装者可以在这些大型装修市场里一站式搞定所有的家装物品,也能达到家装分期付款的目的。

有一种桃花叫做多到忧伤 07-24 09:31

一、选择经济实惠的信用卡。不同银行的信用卡,在手续费的收取上都有不同的标准,一般持卡人选择分期付款时,是按商品总价每期缴纳手续费,不同的银行的手续费有所不同,建议您详细比较各个银行的手续费,选择最经济实惠的信用卡。
二、不可以盲目消费,要根据自身的经济实力,理性选择分期,在享受分期付款带来的前卫生活的同时,保持稳健的财务状况。
三、在每个周期内,保持足够的信用额度,以便银行定期扣收分期款项和费用,以免带来超限费等不必要的损失。

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