After the credit card is divided into stages, you can continue to use it as long as there is an available amount in the card. Of course you can use it. The credit card limit can be recycled and can be used after partial repayment in installments. Staging has nothing to do with the amount. The next time you pay back the money, you need the current bill plus the installment bill, which is relatively more and does not affect each other.

: 1. How do I cancel my credit card?

1. Customer service called to cancel the credit card.

You can call the 24-hour customer service hotline at 800-820-8788 to apply for card refund. When you cancel the card, you can't owe money on the account, and in order to ensure the safety of the account, you must take the card with you when you cancel the card by phone.

2. Cancel the credit card at the counter

If the bank credit card is lost, you can only cancel it at the branch counter. If there is a new account payable within 45 days (inclusive) after the card is cancelled, it will still be borne by you. After returning the card for 45 days, if the account has no arrears or overflow, the system will automatically close the account.

Second, how long is the credit card overdue?

Whether the overdue repayment of credit cards will affect the credit information should be analyzed in detail. Credit investigation is very important for individuals to handle loans and other businesses. The specific analysis is as follows:

1, credit card overdue repayment, if the issuing bank uploads the overdue record to the credit center, it will have a certain impact on credit reporting;

2. If the credit card is overdue, the overdue period is within the time acceptable to the issuing bank, and the overdue record is uploaded to the credit information center, the overdue repayment will not affect the credit information. Every cardholder should take good care of his credit information and repay on time.

3. Can credit cards be repaid in advance by installments?

1, credit card installment can be repaid in advance, but you need to contact customer service in advance to terminate the installment. The cardholder should be reminded that once the installment application is successful, it is irrevocable. Even if the installment is terminated early, the handling fee for the remaining installments will still be charged.

2. Credit card installment is usually divided into 1-24 installments. Applicants are free to choose, and the handling fees vary. They can choose the appropriate number of stages according to their personal economic situation. Most banks have such regulations on credit card installment: even if repayment is made in advance, a handling fee will be charged.

Bank of China: The installment fee will be collected in one lump sum in the first installment and will not be refunded once it is collected.

China Construction Bank: The handling fee is collected in installments. The cardholder has successfully processed the bill installment. If he applies for prepayment, he must pay off all the remaining principal and handling fee in one lump sum, and the installment handling fee collected will not be refunded.

China Merchants Bank: The handling fee is charged by stages. If you need to cancel installment or prepay, you need to apply for installment settlement. Unpaid installment amount and handling fee must be paid in one lump sum, and the advance payment is irrevocable.

Bank of Communications: The handling fee will be collected in installments. If the installment is ended early, the fees received will not be refunded, and the remaining fees will be paid in one lump sum.

Guangfa Bank: The handling fee is charged in installments, and it is convenient to prepay online banking in installments. After the prepayment registration is successful, the remaining unpaid handling fee and principal will be repaid in one lump sum.