1, the installment amount occupies the credit limit of the card, and a part of the credit limit will be automatically restored every repayment. The limit is 5000, and the installment is 5000. Your available limit is 0, which can't be used for the time being, and can only be used after the next repayment. About credit card installment credit card installment refers to the process that when a cardholder uses a credit card to make a large amount of consumption, the bank pays the consumer 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.

2. According to the cardholder's application, the bank will deduct the consumption funds and handling fees by stages through the cardholder's credit card account, and the cardholder will repay according to the monthly recorded amount.

Generally speaking, credit card installment will occupy the quota. But it will only take up the installment quota. If the installment amount is exactly equal to the total credit card amount, it will occupy the total credit card amount.

Do you still have a credit card installment limit?

Is there any restriction on credit card installment? Is there a credit card limit after the installment? Next, let's see if there is a credit card installment limit:

After the credit card installment, there is still a limit, leaving only a part of the credit card installment. If the credit card is eliminated, the credit card will be restored to its original limit.

Take credit card installment payment of China Merchants Bank as an example. Let's take a look at the characteristics of staging.

1, interest-free installment;

2. According to the number of installments, you can pay a certain handling fee;

3. Buy items in the bank credit card mall, free of charge;

4. You need to complete the repayment before the monthly repayment date and enjoy the interest-free policy;

5. The maximum installment amount is equal to the maximum authorized credit card amount;

6. Once you apply for installment payment, the corresponding amount in the card will be frozen immediately;

7. Repay an amount and unfreeze an amount;

8. The quota is sufficient for multiple periods. In fact, most banks' credit cards occupy credit card quotas by stages. After the installment payment transaction is confirmed, ICBC, Bank of Communications, China Construction Bank and CITIC will freeze the full amount of consumption in their accounts. Guangfa Bank is different. According to the audit results, freeze and unfreeze respectively to realize the quota control.