If you need to apply for installment, you need to call the credit card customer service. If you have not applied for installment, you can directly transfer the money to the credit card. The details are as follows:

1. Credit card repayment in advance. It can be paid off in one lump sum in advance, but the cardholder needs to call the customer service of the credit card center in advance to help handle the early settlement of installment procedures. When repaying the loan, in addition to the installment amount, the installment fee is also required.

2. The credit card did not handle early repayment in installments. Repayment can be made by transferring money directly to bank branches, WeChat, Alipay, etc.

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1. Definition:

A credit card, also called a credit card, is a credit certificate issued by a commercial bank or credit card company to consumers with qualified credit. .

It is in the form of a card with the name of the issuing bank, validity period, number, cardholder name and other contents printed on the front, and a magnetic stripe and signature strip on the back. Consumers holding credit cards can shop or consume at specially appointed commercial service departments, and then the bank will make settlements with merchants and cardholders. Cardholders can overdraft within the prescribed limit. Credit card consumption is a non-cash transaction payment method. There is no need to pay cash when consumption, and repayment will be made on the billing date.

2. Classification:

Credit cards are divided into credit cards and quasi-credit cards. A credit card means that the cardholder has a certain credit limit and can use it within the credit limit. A credit card that is repaid after consumption; a quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve as required. When the reserve account balance is insufficient for payment, the quasi-credit card can be overdrawn within the specified credit limit. The so-called credit card generally refers to a credit card only.

3. Other information:

Starting from January 1, 2021, the credit card overdraft interest rate will be determined by the card issuer and the cardholder through independent negotiation, and the upper and lower limit management of credit card overdraft interest rate will be cancelled. The original upper limit is 5/10,000 of the daily interest rate, and the lower limit is 0.7 times the daily interest rate of 5/10,000). On May 25, 2021, the Supreme People's Court issued and implemented the "Regulations of the Supreme People's Court on Several Issues in the Trial of Bank Card Civil Disputes".

Credit cards stipulated in the relevant laws of our country ("Interpretations of the Standing Committee of the National People's Congress on Relevant Credit Card Regulations") refer to credit cards issued by commercial banks or other financial institutions with the functions of consumption payment, credit loans, transfer settlement , deposit and withdraw cash, etc., an electronic payment card with all or part of the functions? On December 1, 2017, the "English Translation and Writing Standards in the Public Service Field" was officially implemented, stipulating that the standard English name of credit cards is Credit Card.