The way to repay the credit card in full in advance by installment is to apply for repayment from the bank. Users need to apply to the bank for early repayment. After the bank calculates the prepayment amount, the unpaid installment amount and handling fee will be included in the next bill. After the bank agrees to prepay, it will calculate the amount that the customer will eventually repay, and then include it in the minimum repayment amount of the next bill. If the minimum repayment amount is sufficient, the installment can be terminated early. Staging introduction: credit card staging refers to the process that when the cardholder uses the credit card to make a large amount of consumption, the bank pays the consumer funds of the goods (or services) purchased by the cardholder to the merchant in one lump sum, and then the cardholder repays the money to the bank in stages and pays the handling fee. According to the cardholder's application, the bank deducts the consumption funds and handling fees by stages through the cardholder's credit card account, and the cardholder repays according to the monthly recorded amount.