1. The so-called installment refers to repaying the credit card consumption amount in installments. Generally, the amount repaid each time is equal, including the credit card consumption amount and handling fee. Each bank has different "handling fee" charging standards. Please consult the card-issuing bank for specific circumstances. At the same time, cardholders can also decide the specific number of installments based on their own financial situation, such as 3.6.9.12 installments, etc.

2. If the cardholder needs to repay in installments, he only needs to apply for installment repayment from the card-issuing bank from the day after the statement date to the due payment date.

3. In addition to installment repayment, credit cards also have two repayment methods: full repayment and partial repayment. Full repayment, partial repayment and installment repayment are normal repayment behaviors and will not have a negative impact on the credit record of the information subject. Credit card installment cards are called installment cards. Credit card installments include bill installments (including consumption installments) and cash installments. The commonly used credit card installment is bill installment, which means paying with a credit card first and then repaying the credit card in installments. Although staging can alleviate immediate urgent needs, it is not very flexible. Installment will incur a certain percentage of handling fees, and if you repay the bank statement in advance after 90 installments, you still need to pay back all handling fees for the borrowed funds.

Apply for installment repayment and pay the minimum repayment amount:

1. The minimum repayment amount of the credit card will be clearly listed on the current bill. There is no need to apply, you can directly pay the minimum repayment amount. If you repay the amount, the bank will automatically identify it.

2. When applying for installment repayment, you must usually meet the following conditions:

1. To apply for a single consumption installment, you must meet the minimum application amount stipulated by each bank. Generally, a single payment The minimum is about 500 yuan.

2. Submit an application to the bank customer service within the specified time. Generally, the application needs to be made within 3 working days before the bill date.

3. The unbilled portion cannot be used for bill installments.

4. Cash withdrawals and temporary quota consumption cannot be used as bill installments.

3. You can no longer apply for the minimum repayment amount for the part that has been repaid in installments, but you can still repay the minimum amount for the part that has not been repaid in installments.