When the credit card cannot be repaid, the cardholder can apply for interest-free. Cardholders are unable to repay their credit cards. After the credit card expires, they can apply to the bank to stop payment. Of course, the bank will review the cardholder when applying for suspension of interest payment, and you can get deferred repayment and interest-free concessions only after the approval. After the cardholder is overdue, it is best to take the initiative to apply for interest-free because the bank will not automatically interest-free.

In addition, if the credit card can't repay, the cardholder can also choose installment repayment and minimum repayment amount, which can reduce the monthly repayment pressure and help the cardholder pay off the debt as soon as possible.

Can the temporary credit card limit be repaid in installments?

There is usually no installment repayment for the temporary credit card limit, because the temporary credit card limit used and consumed by the cardholder has been included in the minimum repayment amount of the bill, so the cardholder should repay in full within the specified repayment period, even the minimum repayment amount is not allowed.

The cardholder fails to pay the temporary limit in full and on time, which is equivalent to the minimum amount of unpaid current bill. This will lead to overdue payment and personal credit damage, and bad information will be recorded in the credit report.