多家银行发文明确信用卡账单分期贴息细节 开启补申请通道

Core Viewpoint - The Chinese government has introduced a new policy to enhance personal consumption loan interest subsidies, which has prompted multiple banks to quickly implement operational guidelines and support for consumers [1][2]. Group 1: Policy Implementation - The new subsidy policy for personal consumption loans will be effective from September 1, 2025, to December 31, 2026, while the credit card installment subsidy period is from January 1, 2026, to December 31, 2026 [1]. - The policy now includes credit card installment payments with a 1% annual subsidy rate and removes previous restrictions on consumption areas [1][4]. Group 2: Bank Responses - Major banks such as ICBC, ABC, BOC, and others have issued guidelines on how to implement the new subsidy services, ensuring that existing customers do not need to re-sign agreements to benefit from the new policy [2][3]. - Agricultural Bank requires customers to sign a supplementary agreement for credit card installment subsidies, while other banks like Postal Savings Bank and Bank of Communications have outlined specific application paths for the new subsidy [3][4]. Group 3: Consumer Benefits - The minimum execution interest rate for consumer loans remains at 3%, and with the new subsidy, eligible borrowers may see effective rates drop to the "2" range [4]. - Banks are encouraged to streamline the application process and provide clear information on subsidy limits and rates to enhance consumer experience [4].