let's explore the “e-phase” of the consumer credit product under the umbrella of a commercial bank. it allows card users to buy goods or services in instalments, which sounds convenient, right? can the e-period pay early? let's go into it。

can we settle the e-summation in advance

First of all, the answer to the question of whether you can settle the "e-term" in advance is yes! Why? Since “e-period” is a credit card loan business, the amount of money and instalments cannot be adjusted once you have applied successfully. The principal and fee systems are calculated in advance for each instalment so that they appear in the "e-period" bill, so you can only pay in full and on time as required by the bill。

And the answer to the question of whether to submit a consumption certificate is yes! After you're on an "e-phase" loan, the system will ask you to submit a trade certificate to prove your use of the loan. If you do not submit the certificate within the prescribed time, the bank is likely to recover the remaining "e-period" amount and request your early payment. This will undoubtedly increase your repayment pressure. Therefore, don't forget to keep your consumption certificate and submit it on time。