1. Installment payment is generally divided into consumption installment and bill installment. At present, China Bank only has consumption installment, so it needs to apply for installment by phone before the billing date comes out. However, if you overdraw at the end of September, you can try it for 6 months, at most 4 months, but definitely not by stages.

2. Generally, the minimum repayment amount is 65,438+00% of the overdraft, that is, 2000 * 65,438+00% = 200, plus five ten thousandths of interest per day from the date of your consumption. Although you have to pay interest, it will not affect your credit, and you will use your funds more flexibly. But at present, because you have been in arrears for a long time, it is impossible to use this method now. It is still recommended to borrow money to pay this back first, otherwise the late payment fee is worse than the interest.

At present, as long as there is no full repayment, the interest on the bank credit card will be calculated according to the actual overdraft, and whether you pay back the money or not, it will be calculated according to 2000 yuan.

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