用钱不再愁,这些银行信用卡提供分期付款服务

来源:维思迈财经2024-06-15 22:08:51

在当今社会,随着人们生活水平的提高和消费观念的转变,越来越多的人选择使用信用卡进行消费。然而,在享受便利性和优惠之余,很多持卡者也面临着账单一次性还清所带来的压力。为了解决这一问题,并更好地满足客户需求,许多银行纷纷推出了分期付款服务。

从近年来各大银行相继推出“零手续费”、“低息甚至免息”的分期购物产品可以看出, 银行对于个人金融市场已经开始进入到一个新阶段. 与此同时, 这种以小额贷款为主体、通过现代科技手段实现快速审批发放资金并支持线上线下支付等方式具有明显特点.

据悉, 多家知名商业银行均开展类似业务。招商银行“花呗”、工商银行“易通贷”、中国建设 “乐借钱包”,都是目前较火热的产品。“花呗”无论在线下或者网店都可适应全国范围内任何能刷VISA/MasterCard标志POS机器;"易通贷" 最快30分钟即可完成整个操作流程; "乐借钱包" 更是将自身定位成移动端轻松玩转理财及私房话题互动社区。

值得注意的是, 分期付款虽然方便了用户日常生活中可能因突发事件需要资金周转时节省时间但其背后隐藏着巨大风险. 不少运营公司未按规定履约导致违法失信记录增加;部分用户恰逢遇挤抢单失败则影响正常交易积累良好档案被拉黑等情形频频曝光引起广泛关注.

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银行 信用卡 分期付款服务

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