1, the handling fee is high.

Only users who repay in full and on time can win the favor of banks, and most banks regard prepayment or overdue repayment as a breach of contract and need to pay liquidated damages to them. And for the remaining undistributed handling fees, one point will not be reduced. If you want to repay in advance, you must pay off the remaining principal and handling fee in one lump sum.

2. Credit cards have decreased.

Banks grant credit cards to cardholders in order to stimulate consumption and bring more benefits to themselves. If you always prepay, the bank will think that the cardholder has little demand for credit cards and may be downgraded by the bank after prepayment. In order to avoid wasting resources, banks generally take measures to reduce the amount, which will adversely affect future credit card withdrawals.

3, affect the future application for loans or card results.

Whether it is a loan or a credit card, the purpose of lending institutions is to stimulate users to use it. However, if the user only uses it for a short time and then repays it, the income of the credit card cannot be maximized. Then, in the face of such users submitting loan or credit card applications again, lending institutions will generally take refusal measures.

1. Credit card prepayment usually means paying off the card debt before the bill date comes out, or settling it in advance by stages. Although from the cardholder's point of view, early repayment can avoid overdue.

2. The cardholder who prepays must apply to the bank in advance to terminate the installment payment. After the approval of the bank, the total amount to be repaid is included in the minimum repayment amount of the first installment bill. When the next installment bill comes out, just repay according to the repayment amount shown on the bill.

3. Credit card installment refers to the process that when the cardholder uses the credit card to make a large amount of consumption, the bank pays the consumption funds of the goods (or services) purchased by the cardholder in one lump sum, and then the cardholder repays the money to the bank in installments 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.

4. Credit card, also known as credit card, is a credit certificate issued by commercial banks or credit card companies to eligible consumers. It is a card with name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back. Consumers with credit cards can go to specialized commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limits.