1. If there has been a previous issue, even if it has not been returned, it can still be phased in the future, regardless of whether there is a previous issue;

2. We can't handle the bill installment this time because 488.52 is less than the minimum amount of 800, so we can't handle the bill installment;

3. If money is tight, you can only pay the minimum repayment amount of 404+0438+0 yuan this time;

4. Only the minimum repayment amount will not produce bad records, but you have to pay interest; The longer the delay, the more interest; So the remaining 488.52 yuan should be paid back quickly.