Why can't credit cards be repaid in advance by installment? We should pay attention to these matters. Many card friends want to repay in advance when they have money in their hands after handling credit card installment. It is not recommended to do so here. After all, it is taboo to repay in advance by credit card. Why do you say that? Let's take a look at these reasons. The biggest reason why many people want to prepay after credit card installment is that they think prepayment can avoid the remaining handling fee, but this is not the case. We should know that although many bank credit cards support early repayment, they will not reduce the remaining undistributed handling fees by one point. If you want to repay in advance, you must pay off the remaining principal and handling fees in one lump sum. < /p > This is unnecessary. Repayment in advance is the same as repayment in installments, so it's better to repay monthly without overdue. You have plenty of money in your hand, so you can earn some expected income by buying wealth management products, which is more or less better than prepayment. < /p > In addition, prepayment is also a breach of contract, and the bank will think that the cardholder has little demand for credit cards, and the amount may be reduced by the bank after prepayment. Although this probability is still relatively small, it does not rule out this possibility. < /p > If you don't worry about these things, cardholders who still want to repay in advance should apply to the bank for termination of installment in advance. After the bank approves, the total amount to be repaid will be included in the minimum repayment amount of the first installment of the bill. When the next installment of the bill comes out, they can repay according to the repayment amount shown on the bill. < /p > The above is the introduction of "Why can't credit cards be repaid in advance by installment?" I hope it will help you. In short, although it is taboo to prepay credit cards in installments, whether to prepay them or not depends on the needs of card friends themselves.