2. If you want to prepay your credit card by installment, you need to call customer service first to apply for ending the installment business. After the application, you need to pay the installment amount and installment fee in one lump sum. As long as the money is returned to the card, the banking system will naturally initiate the deduction. If the installment is settled in advance, it is necessary to repay the remaining unpaid amount and the remaining installment fee in one lump sum. The installment fee cannot be reduced, and the installment fee paid in the past is not refundable. Even some banks will charge a certain penalty for canceling the credit card installment business.
3. You can also find the installment bill directly on the online banking/mobile banking client/credit card APP of the issuing bank, and then apply online to terminate the installment in advance.
4. If there is an offline business outlet of the issuing bank nearby, the customer can bring his personal ID card and credit card to the outlet to find the counter staff to handle the prepayment procedures.
The repayment order of credit card is to pay the bill first, and then not to pay the bill. When repaying, you need to pay attention to the total amount of repayment. If it is overpaid, the overpaid part becomes overpaid. Credit cards are different from savings cards. When the overpayment deposited in the credit card is withdrawn, a handling fee is required. For the overpayment of China Merchants Bank's credit card, the withdrawal fee is 0.5% of the withdrawal amount, and the minimum charge is 5 yuan RMB and US$ 65,438 +0.