Legal subjectivity: If the user simply prepays the arrears for a certain period of time, then go directly to the repayment page and confirm that the repayment amount is prepayment. Users who want to pay off in one lump sum need to apply to the bank for prepayment. 1. Credit card prepayment by installment 1 How to operate? If the user simply prepays the arrears for a certain period of time, then go directly to the repayment page and confirm that the repayment amount belongs to prepayment. If users want to pay off in one lump sum, they need to apply to the bank for prepayment. After the bank calculates the prepayment amount, the unpaid installment amount and handling fee are included in the next bill. At this time, the user pays off in one lump sum, which belongs to early repayment. 2. Therefore, credit cards support users to repay in advance after installment, but whether the prepayment can save the handling fee depends on the final repayment amount. Second, what should I do if my credit card is in arrears by installment? 1. Use the minimum repayment function. Every bank will have a minimum repayment function. As long as the minimum repayment amount is paid, the bank will not charge late fees and will not affect personal credit. But the minimum is to charge interest, five ten thousandths of interest every day, so you only need to pay the minimum. Although the pressure will be reduced, it will generate compound interest, which will be more troublesome and can only be used for temporary relief. 2. Use the segmentation function. If there is pressure on repayment, you can directly apply for bill installment. Generally, banks provide the total energy of phases 3, 6, 9, 12, 18, and 24. You can choose the number of phases according to your repayment ability, which will not only ease the repayment pressure, but also affect your credit. 3. Change the bill date to extend the repayment period. The billing time can't be changed casually. Generally speaking, it can only be changed once every six months. Some banks change it once a year, while others can only change it once. 4. Actively negotiate with the bank to explain the situation. If it is really because of special circumstances such as work, you can take the initiative to call the bank, explain the reasons, prove that it is not malicious and there are reasons, and discuss whether you can delay repayment. Don't ignore the bank just because you changed your phone, so your personal credit will be lost unless you don't deal with the bank in the future. 5. The consequences of overdue repayment of credit cards are serious, and overdraft consumption should be moderate. Although the biggest feature of credit card is overdraft function, it actually constitutes the loan relationship between customers and banks. Failure to repay at maturity may not only cause legal disputes, but also bear high penalty interest. The most important thing is to form a bad credit record, which will adversely affect future work and life.