The handling fee for credit card bill installment is indeed more expensive. If you pay monthly, you need to pay the handling fee for the remaining months. After the credit card bill is installmentd, when you decide to repay in advance, if you pay monthly, you need to pay the handling fee for the remaining months; if you pay the handling fee in one go, the handling fee will not be refunded due to early repayment. In other words, after the customer's application for installment payment is completed, these handling fees must be borne no matter what.

Credit card bill installment is a bill-based installment method. It means that when the bill amount reaches or exceeds a certain amount, the cardholder can call the bank customer service center to apply for installment repayment of the bill. The characteristic of bill installment payment is that it is not restricted by consumption type or location, allowing cardholders to fully enjoy the advanced consumption brought by installment payment.

But for installment payment, the bank will charge a certain handling fee, which will not be lower than the loan interest rate for the same period. There are two fee collection methods for the installment payment business. One is one-time payment, that is, when consumers choose to pay in installments, the first installment bill amount and the installment fee are paid in one lump sum. The other is monthly payment, where the handling fee is paid along with the monthly installment.

Although applying for credit card installment payment can alleviate the financial pressure, if the cardholder intends to repay the loan in advance, although the bank funds will no longer be occupied, the bank will not charge the handling fee for the entire number of installments at once. Partial refund of installment fees paid in advance.