Credit card bill installment payment is one type of credit card installment payment. This type of installment payment means that the credit card holder requests the credit card center to return the consumption amount to the bank in installments after using the credit card to swipe the card.

Credit card bill installment payment is the simplest method of installment payment. You only need to call the bank's credit card center or log in to personal online banking to apply for installment payment during the period after the card consumption is credited to the due date of repayment. Just make the payment and generally you can get approved as long as you don't have a bad personal credit record.

The reason why I think it is harmful: it is advanced consumption and you need to bear some risks.

Extended information

Most domestic banks have credit card installment business. Installment payment is generally divided into shopping mall (POS) installments, online, mail and other methods according to different occasions. "Mail order installment" and bill installment.

At the time of checkout, please indicate that you need to pay in installments with a credit card that supports installments in the shopping mall. Then the cashier will swipe the card on a dedicated POS machine according to the number of issues required by the cardholder (such as 3 issues, 6 issues, 12 issues, etc., a few shopping malls support 24 issues).

Note: Cardholder identity verification is required when making installment purchases in shopping malls, so remember to bring your ID card.

Shopping mall installments are generally free of charge for three installments. The rates for 6 and 12 periods vary from bank to bank. Installment products can generally be purchased as long as they are normally sold in the shopping mall. In many cases, cardholders can also bundle multiple items together at checkout and then make installment payments.