Credit card installment means that when the cardholder uses a credit card to make large purchases, the bank pays the merchant a one-time payment for the goods (or services) purchased by the cardholder, and the cardholder then pays the bank in installments. Repayment. Credit card holders can directly apply for installment through various channels such as customer service phone or bank credit card mobile client. The threshold is very low, as long as you have good credit and no overdue behavior. After applying for credit card installment, you will see the credit card limit usage and repayment status on the credit report. The usage limit is equivalent to the credit card debt.

Under normal circumstances, credit card installment payment will not affect the loan, provided that the cardholder has a good personal credit report and does not have overdue credit cards, malicious cash-outs, malicious overdrafts, etc.

However, if the credit card installment amount is large and the debt ratio is too high, the bank will have risk control awareness when reviewing your loan application. If your financial strength is strong enough and you have the ability to repay the loan, credit card installment payments will not affect the loan.