After applying for credit card installment, you can pay off the balance in one go.

You can repay in advance after applying for installment with a credit card, but if you want to apply for early repayment, you need to apply to the bank first. If the bank approves the application for early repayment, you can apply for early repayment at any time. The entire installment amount and handling fee will be paid off in one lump sum during the first installment.

However, the installment cannot be canceled. In addition, if you apply for a credit card to repay the installment in advance, you will need to pay the total handling fee for the remaining installments. Assume that the installment fee for each installment is 8 yuan. If a *** applies for repayment in 12 installments, but in the fifth installment, he applies for early repayment, then the remaining handling fee he needs to pay is (12- 5)*4=28 yuan. To put it simply, after a credit card installment is repaid in advance, the handling fee for each installment will not be canceled due to the early repayment. :

However, the credit card installment regulations of major banks are not exactly the same. If you want to pay off the installment in advance, you need to understand the specific regulations of each bank.

Agricultural Bank of China

The handling fee is collected in installments. Early repayment is divided into partial amount early repayment and full amount early repayment. If part of the amount is repaid early, the repayment amount must be an integral multiple of the principal of each installment, and the amount will be automatically reduced after application; full amount early repayment , the repayment amount is the entire undue installment principal, and the installment will automatically end after the application is successful. After the early repayment application is successful, the cardholder must repay the early repayment amount and the installment fee corresponding to the number of early repayment periods in one go. The installment fee that has been accounted for will not be refunded.

Bank of China

The installment fee will be charged once in the first installment and will not be refunded once collected.

China Construction Bank

The handling fee is collected in installments. The cardholder has successfully applied for the bill installment. If he applies for early repayment, he must pay all remaining principal and handling fees in one lump sum. , the installment handling fee collected will not be refunded.

Bank of Communications

The handling fee is collected in installments. If the installment ends early, the handling fee collected will not be refunded, and the remaining handling fee must be paid in one lump sum.

Shanghai Pudong Development Bank

The handling fee is charged in installments. After the cardholder successfully applies for bill installment, the number and amount of installments that have been applied cannot be changed, and cannot be cancelled. When the cardholder returns the card or cancels the transaction, he must still pay the principal and handling fee according to the bill installment payment business that has been successfully applied for.

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