negotiate with the bank. Credit card installment repayment will greatly reduce the repayment pressure of cardholders, and bank credit card installment is interest-free Using a credit card is equivalent to giving us the right to control our salary in advance, and we can pay it back when the salary is paid. What needs to be made clear is that although bank credit card installment is interest-free, it can't avoid handling fees. If there are many installments, then the handling fee will be more. If the cardholder chooses the minimum repayment amount, he will pay the interest on the unpaid amount. The longer you owe money, the higher the interest you need to pay, and the greater the pressure on repayment. However, when handling the installment, the bank will explain clearly to you how much each installment should be repaid, how much the handling fee is, how much the total * * * is repaid, and how much the handling fee is * * *, so in theory, there is no deception or fraud. The amount of handling fee will be quite different according to different banks, different card types and different stages. Therefore, when choosing credit card installment, you can weigh it carefully and consider which is more important to you, the economic easing brought by installment or the handling fee you need to pay after installment. Although, rationally, credit cards have many benefits, for some people, I don't recommend them to use credit cards in installments, or they can spend up to two months' salary. To sum up, for cardholders who are not in arrears in the short term, if they can have working capital soon, it is best to choose this minimum repayment method. However, if there is pressure on long-term repayment, you should try to choose installment repayment. Rationally, credit card has many benefits, but for some people who can't control their consumption, it is not recommended to use credit card installment.