You can apply for one-time payment in advance by credit card installment, but you need to apply for manual customer service at the bank.

Although you can apply for early return, there is a question here whether it is necessary to return in advance. The first thing to understand is that if the credit card repays in advance, the subsequent handling fee will also be charged, that is, the above-mentioned 12 780 handling fee will also be charged in advance.

Therefore, in general, it has been phased, and there is no need to apply for prepayment. If you have your own purpose and money on hand, you can also apply for prepayment, but you must understand that there is a charge whether you advance or not.

1, repayment in advance by installment shall bear a certain penalty;

2. The installment payment shall be settled in one lump sum, and the handling fees and service fees incurred in front shall not be refunded;

3. After a solution, the line will be restored immediately.

Article 114 of the Contract Law, the parties may agree that one party shall pay a certain amount of liquidated damages to the other party in case of breach of contract, and may also agree on the calculation method of damages arising from breach of contract.

If the agreed liquidated damages are lower than the losses caused, the parties may request the people's court or arbitration institution to increase them; If the agreed liquidated damages are excessively higher than the losses caused, the parties may request the people's court or arbitration institution to reduce them appropriately.

If the parties concerned pay liquidated damages for delayed performance, the breaching party shall also perform the debt after paying the liquidated damages.

Data expansion:

Credit card installment includes three forms: cash installment, bill installment and credit card shopping installment.

1. Credit card cash installment payment

Cash installment, also known as cash withdrawal installment, is generally a installment method in which the credit card holder applies or the issuing bank invites the cardholder to take the initiative to convert the credit limit in the cardholder's credit card into cash, transfer it to the designated debit card (the Bank or other banks) and return it according to the specified number of installments each month. Such as: Pudong Development Bank's "Universal Loan Fund", Guangfa's "Financial Wisdom Fund" and so on.

2. credit card bill installment payment

Credit card bill installment refers to the credit card holder's request to the credit card center to return the consumption amount to the bank in installments after using the credit card. Installment payment of credit card bill is the simplest installment payment method. You only need to call the bank credit card center to apply for installment payment from the credit card consumption bill date to the due repayment date, or you can apply directly at the credit card app or WeChat official account.

3. installment credit card shopping

Nowadays, many credit cards have their own online shopping malls, and there are many kinds of goods in the credit card shopping malls. The price of credit card shopping malls is basically the same as the market price. But it has an advantage that it can buy goods in interest-free installments, which can be divided into 24 installments at the longest. This not only enjoys the convenience brought by bulk commodities in advance, but also does not have to bear too much financial pressure. For example, I bought an Apple iphone8 in the credit card mall at a price of 6000 yuan, and I chose 12 installment. I only need to pay 500 yuan every issue, which is really convenient. You don't have to bear the pain of paying 6000 yuan again, but you can also use Apple's mobile phone in advance.