Credit card installment refers to the process that when a credit card holder makes a large consumption, the bank first pays all the expenses incurred by the consumption to the merchant in one lump sum, and then the cardholder returns the arrears to the bank every month and pays the handling fee. According to the cardholder's application, the bank will share the funds generated by consumption and the installment fee equally every month, and directly deduct the same amount from the cardholder's credit card repayment account after the monthly repayment date arrives.